Last updated: 10 April 2026
These Terms and Conditions (this "Agreement" or "User Agreement") are a binding contract between you and our partner financial service provider (the "Partner Provider", "we", "us", or "our"), and apply to your use of the Partner Provider's services, including any banking account facilities (the "Services" or "the Service").
By opening an account (whether through the platform website or the mobile application), you agree that you have read, understood, and accept all of the terms and conditions in this Agreement (other than any Service-Specific terms that apply to a Service that you do not use) and our Privacy Policy (the "Privacy Policy"), which is incorporated in this Agreement by this reference.
The Partner Provider is registered as a Money Services Business ("MSB") with the relevant financial intelligence authority and is authorised to provide foreign exchange dealing services, money transferring services, virtual currency exchange services, and payment service provider services, subject to the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (the "PCMLTFA"), its regulations, and all other applicable Canadian federal and provincial laws.
The Partner Provider is not a bank. The Partner Provider is not a bank, trust company, deposit-taking institution, or securities dealer. Funds handled in connection with the Services are not deposits and are not insured by the Canada Deposit Insurance Corporation (CDIC) or any other government or private deposit insurance scheme.
No wallet or stored-value services. The Partner Provider does not offer wallet, e-wallet, stored-value, prepaid, or deposit-taking services. the Partner Provider does not hold customer balances, does not maintain an ongoing credit or prepaid balance on your behalf, and does not pay interest, yield, or other earnings of any kind. Except for funds that are temporarily in transit while a Transaction is being processed, settled, returned, investigated, or held in accordance with this Agreement or applicable law, the Partner Provider does not hold funds for you. References in this Agreement to your "Account" mean your user profile and the record of your Transactions, and not a stored balance of funds.
You must be at least 18 years of age (or the age of majority in your jurisdiction of residence) and legally capable of entering into a binding contract to use the Services. If you are registering on behalf of a business or other legal entity, you represent and warrant that the entity is duly organised and in good standing, that you are authorised to bind it, and that the entity holds all licences, registrations, and regulatory approvals necessary to engage in the activities contemplated by this Agreement.
The Services are not available in every country, and some features or product types may be available only to users in specific jurisdictions. the Partner Provider may restrict, limit, suspend, or withdraw availability of the Services in any jurisdiction at any time, in its sole discretion, for legal, regulatory, sanctions, tax, or risk management reasons. Availability is also subject to our onboarding, due diligence, and verification requirements. A current list of supported jurisdictions is available on request from [email protected]. It is your responsibility to ensure that your use of the Services is lawful in your jurisdiction.
By using the Services, you represent and warrant that: (a) you are not located in, incorporated under the laws of, or an ordinary resident of any country or territory subject to comprehensive sanctions administered by the Government of Canada, the United Nations Security Council, the United States (including OFAC), the European Union, the United Kingdom, or any other applicable sanctions authority; and (b) you are not an individual or entity listed on any sanctions, terrorism, or other restricted persons list maintained by any such authority.
You acknowledge and agree that this Agreement is between you and the Partner Provider, and not with any third party (including, but not limited to, Apple, Google, any mobile carrier, or any participating merchant), and that the Partner Provider is solely responsible for the Service. Your use of the Service may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g. Apple, Google, or Microsoft), your mobile device manufacturer (e.g. Apple or Samsung), your mobile service carrier, and/or other parties involved in providing your mobile device service. Participating merchants, third-party operating system providers such as Apple, Google, and Microsoft, your phone or other mobile device manufacturer, your wireless carrier or other network provider, and any other product or service provider related to your mobile device service are collectively referred to as "Covered Third Parties". You agree to comply with all applicable third-party terms of agreement when using the Services. the Partner Provider is not a party to those agreements and has no responsibility for the products and services provided by third parties.
The following terms are "Service-Specific Terms" in that they apply solely to the Services covered by this Agreement. The Partner Provider provides a range of regulated financial services pursuant to its registration as an MSB with the relevant financial intelligence authority, including foreign exchange dealing, money transferring, virtual currency exchange, and payment service provider services (collectively, the "Services"). The Partner Provider acts as a service provider and technology platform and does not act as a counterparty, principal, trustee, fiduciary, investment adviser, or broker in respect of any underlying commercial transaction between a sender and a recipient. The Services are provided on a transaction-by-transaction basis. The Partner Provider does not offer wallet, e-wallet, stored-value, prepaid, or custody services; each Transaction is funded from a Funding Source that you designate and is settled to a payout destination that you designate, and The Partner Provider does not maintain an ongoing balance of funds or Virtual Currency on your behalf outside of the limited period during which a Transaction is in transit, being processed, settled, returned, investigated, or held in accordance with this Agreement or applicable law. The Partner Provider has no responsibility for the actions of your transfer recipient or for the subject matter of the transfer. We do not guarantee the identity of any Partner Provider user or that a sender or a recipient can or will complete a transaction. Not all Services are available to all users, and some Services are available only to verified Business Account users or in specific jurisdictions. Additional service-specific terms, fees, or limits may be disclosed to you in the application or in a separate written agreement, and such terms form part of this Agreement when you use the relevant Service.
To be eligible to use the Service, you may only create an account through the platform website or through the mobile application (collectively, the "Website"). As further detailed in our Privacy Policy, in order to register, create, and use an account, the Partner Provider may require that you submit certain Personal Information (as defined in the Privacy Policy), including but not limited to your name, citizenship, email address, text-enabled cellular/wireless telephone number, street address, postal code, date of birth, and an appropriate government-issued photo identification number (passport, driver's licence, or country identification card). During the registration process, or when you access the Services from a phone, your IP address or device identifier is also stored. You agree that the Personal Information you provide to the Partner Provider upon registration and at all other times will be true, accurate, current, and complete, and you agree to maintain and update this Personal Information to keep it true, accurate, and complete. Please also visit the Privacy Policy for more information on our Anti-Money Laundering and Know-Your-Customer practices.
You are not allowed to resell the Partner Provider services unless otherwise agreed between the parties in writing.
We offer two different types of accounts: a "Personal Account" and a "Business Account" (each, an "Account"). You may have only one Personal Account; however, you may request to have more than one Business Account. Some features of Personal Accounts may be limited based on how you wish to use the Service, how much you need to send, and what we know about you. We may require that you provide more information in order to complete a transaction. Business, commercial, or merchant transactions may not be conducted using Personal Accounts. For each business you are involved with, you may have only one associated Business Account; use is limited based on your verification status. Business Accounts must be applied for and explicitly authorised by the Partner Provider. By opening a Business Account and accepting the terms as outlined in this Agreement, including the Rules and Restrictions for Business Accounts set forth below, you attest that neither you nor your business is establishing a Business Account primarily for personal, family, or household purposes. We may reverse or place a hold on your transactions, or place a reserve on your funds, if you are in breach of this Agreement, including, but not limited to, using a Personal Account for business purposes or a Business Account for personal, family, or household purposes.
You hereby authorise the Partner Provider, directly or through third parties, to make any inquiries we consider necessary to validate and/or authenticate your identity and account information and, for Business Accounts, your company or employer. This may include asking you for further information and/or documentation about your account usage or identity, or requiring you to take steps to confirm ownership of your email address, wireless/cellular telephone number, or financial instruments, and verifying your information against third-party databases or through other sources. This process is for internal verification purposes.
If you have an Account with the Partner Provider, you may view your transaction history by logging into your Account. You agree to review your transaction history through your online account instead of receiving periodic statements by mail.
Where a Transaction involves the conversion of one currency to another (or the conversion of a fiat currency to or from a virtual currency), the Partner Provider will apply the Exchange Rate quoted by it at the time you confirm the Transaction. You acknowledge and agree that:
Where the Services include the exchange, transfer, conversion, or custody of virtual currency or digital assets (including, without limitation, cryptocurrencies and stablecoins) (each a "Virtual Currency"), the following additional terms apply:
the Partner Provider's money transfer and cross-border payout Services may involve multiple financial institutions, payment networks, correspondent banks, payout agents, and blockchain networks, any of which may impose their own rules, cut-off times, and fees.
We may, at our discretion, impose limits on the amount of money you can send or receive through the Banking Service. Please see our help centre and FAQs for more details on limits. If we have authenticated your identity, we may increase your sending and/or receiving limits. These limits may change from time to time at the Partner Provider's sole discretion.
Because The Partner Provider does not offer wallet or stored-value services, each Transaction must be funded, in full, from a funding source that you designate and that the Partner Provider has approved for use with the Services. Approved funding sources may include a bank account, debit card, credit card, wire transfer, Electronic Funds Transfer ("EFT"), Pre-Authorised Debit ("PAD"), incoming wire or blockchain transfer, or such other funding sources as the Partner Provider may from time to time support (each, a "Funding Source"). When you initiate a Transaction, you authorise the Partner Provider to debit, pull, or otherwise collect the full Transaction amount, together with any applicable Fees and taxes, from the Funding Source you have designated. A Transaction will only be processed once the Partner Provider has actually received cleared and final funds from the Funding Source in an amount sufficient to cover the Transaction, the applicable Fees, and any reserve or buffer amount the Partner Provider may reasonably require. the Partner Provider does not hold, credit, or carry any unused portion of the funds received in connection with a Transaction: once the Transaction is completed, returned, or cancelled, any remaining amounts are either paid out to the designated beneficiary, returned to the Funding Source, or otherwise dealt with in accordance with this Agreement.
In order to manage risk, the Partner Provider may limit the funding sources available for your use. For example, we may limit your funding sources for a particular transaction to debit cards or your current account. Please note that the various funding sources have different dispute resolution means should your transaction turn out to be unsatisfactory.
Where your bank account is used as your funding source, you are requesting that we initiate on your behalf an electronic transfer from your bank account. For these transactions, the Partner Provider will make electronic transfers from your bank account in the amount you specify. You agree that such requests constitute your authorisation to the Partner Provider to make the transfer, and once you have provided your authorisation for the transfer, you will not be able to cancel the electronic transfer. the Partner Provider may resubmit any debit you authorised that is returned for insufficient or uncollected funds, except as otherwise provided by applicable law.
If you use your credit or debit card as a Funding Source for a Transaction, the card issuer may view such transactions as a cash advance and charge a fee. the Partner Provider will not be held liable for such charges and you take on sole responsibility for honouring such charges.
When you send money, the recipient is not required to accept it. You agree that you will not hold the Partner Provider liable for any damages resulting from a recipient's decision not to accept a payment made through the Service. A recipient of the Partner Provider funds may not immediately accept funds; during this period, a hold will be placed on your account for the amount of the transfer and the applicable fee, if any. Once the recipient has successfully accepted the transaction, transfers will automatically be debited from your account and credited to the recipient's account. You also have the option of cancelling your payment at any time using the Service before acceptance by the recipient. If a payment is unclaimed, denied, or refunded for any reason, the Partner Provider will, once it has actually received the returned funds, return them to the original Funding Source (or, where that is not reasonably possible, to another Funding Source or payout destination that you designate and that the Partner Provider approves), in each case net of any applicable Fees, intermediary deductions, and Exchange Rate differences.
the Partner Provider will process your debit or credit payment card funded transactions through either the payment card's ATM debit network or the Visa/Mastercard network, as the Partner Provider may elect at its discretion.
If your payment card account number changes or your payment card expiration date changes, we may acquire that information from our financial services partner and update your account.
You may use the Services to send money funded by an approved Funding Source. Fees charged may change from time to time at the Partner Provider's sole discretion. You may be subject to third-party fees, such as insufficient funds fees, reversal fees, or other fees that a bank may charge if your payment is rejected.
the Partner Provider may also, at its sole discretion, impose daily, weekly, or monthly limits on the amount of money that can be sent or received through the application. These limits are usually, though not always, based on local regulations.
Payment investigation is a process by which the Partner Provider reviews certain potentially high-risk transactions. If a payment is subject to payment investigation, the Partner Provider will place a hold on the payment and may provide notice to the recipient. The Company will conduct a review and either clear or cancel the payment. If the payment is cleared, the Partner Provider will provide notice to the recipient. Otherwise, if the Partner Provider is permitted by laws and regulations, the Partner Provider will cancel the payment and return the funds (minus any applicable fees). The Company will provide notice to you by email and/or in the account history tab of your banking account if the payment is cancelled.
When you receive a payment, you are liable to the Partner Provider for the full amount of the payment plus any fees if the payment is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the payment, plus applicable fees, if you lose a claim or a chargeback, or if there is a reversal of the payment. If a sender of a payment later disputes the payment or files a claim for a chargeback, the debit or credit card issuer or the originating bank, not the Partner Provider, will determine whether the dispute is valid and to whom the payment is due. You agree to allow the Partner Provider to recover any amounts due to the Partner Provider by debiting any Funding Source you have designated (whether the original Funding Source used for the Transaction or any other Funding Source then linked to your Account), by netting against any funds otherwise owing to you by the Partner Provider in respect of any other Transaction, or by invoicing you. If the Partner Provider is unable to recover the funds from your Funding Source(s), the Partner Provider will attempt to contact you. the Partner Provider may take any other legal action to collect the amount due, to the extent allowed by applicable law.
The Partner Provider does not offer wallet, e-wallet, stored-value, prepaid, or deposit-taking services and does not hold customer balances. You acknowledge and agree that your the Partner Provider Account is not a bank account, a payment account that stores funds, or any form of deposit or investment account, and that the Partner Provider is not authorised to accept or hold funds on deposit. Any reference in this Agreement or in the Services to your "balance", "account balance", "funds in your Account", or similar expressions shall be interpreted accordingly and shall not be construed as creating a stored-value, wallet, or deposit relationship.
From time to time, and only for the limited period required to execute a Transaction, the Partner Provider or its service providers may receive, route, hold, convert, or settle funds that are in transit in connection with a Transaction, or may hold funds that are the subject of a return, chargeback, reversal, investigation, dispute, reserve, or compliance hold in accordance with this Agreement (collectively, "In-Transit Funds"). In-Transit Funds are held by the Partner Provider or its service providers as a service provider and not as a trustee, fiduciary, or deposit-taker. While handling In-Transit Funds, the Partner Provider will keep them separate from its own corporate operating funds in accordance with applicable law and its internal policies, and may commingle them in pooled accounts or wallets in the Partner Provider's name with the In-Transit Funds of other users. the Partner Provider will not voluntarily make In-Transit Funds available to its creditors in the event of its insolvency.
In-Transit Funds are not deposits, are not insured by the Canada Deposit Insurance Corporation (CDIC), are not protected by any securities investor protection scheme, and do not bear interest, yield, or any other earnings. You irrevocably assign to the Partner Provider any interest, yield, rebate, or similar earnings that may accrue on any In-Transit Funds or on the pooled accounts in which In-Transit Funds are held, to the extent permitted by applicable law. Nothing in this Agreement grants the Partner Provider any ownership right to the principal amount of any In-Transit Funds.
If you have, for whatever reason, a past due amount owed to the Partner Provider, the Partner Provider may, without further notice, setoff the amount against any Funding Source then linked to your Account, against any In-Transit Funds then handled by the Partner Provider in connection with any of your Transactions, and against any amount otherwise owing to you by the Partner Provider. If the Partner Provider is unable to recover the funds, the Partner Provider will attempt to contact you. the Partner Provider may take any other legal action to collect any amounts that are more than 14 days past due, to the extent allowed by applicable law and in accordance with the Pre-Authorised Debit section below.
the Partner Provider may, in its reasonable judgement, temporarily adjust the amount remitted to you and/or the remittance frequency as security against existing or anticipated credit risk, fraudulent activity, future chargebacks, or other suspicious activities associated with your use of the Banking Service, or if required by law or court order, upon notification to you via email. If the amount of any deductions exceeds the sum indicated on your Account, the amount remaining and owed to the Partner Provider shall be due and payable by you to the Partner Provider, and you authorise the Partner Provider to debit your bank account (if applicable) for the amount due.
You acknowledge that any withdrawal by the Partner Provider in accordance with this Agreement is a debit as defined under Rule H1 of the Payments Canada rules (a "Pre-Authorised Debit" or "PAD") for business purposes, and you waive the right to receive advance notice of these debits. Your authorisation for a PAD shall remain in effect after termination of this Agreement and until all of your obligations to the Partner Provider have been paid in full. If you change your bank account at any time during the term of this Agreement, or at any time after the term before all of your obligations to the Partner Provider have been paid in full in the Partner Provider's sole discretion, the PAD authorisation shall also apply to the new bank account.
To secure your performance of this Agreement, you hereby grant to the Partner Provider a lien on and security interest in your account, and agree to execute any further documentation to perfect these rights. You authorise the Partner Provider to debit your account for fees payable to the Partner Provider. You acknowledge that any withdrawal by the Partner Provider in accordance with this Agreement is a PAD for business purposes, and you waive the right to receive advance notice for these debits or credits. Alternatively, if the Partner Provider is unable to debit owed amounts, the Partner Provider reserves the right to invoice you for any such amounts, which amount shall be due and payable thirty (30) days after the invoice date, or on such earlier date as may be specified. You have certain recourse rights if any debit does not comply with this Agreement. For example, you have the right to receive reimbursement for any debit that is not authorised or is not consistent with this PAD authorisation. To obtain more information on your recourse rights, contact your financial institution or visit www.payments.ca.
As long as there are no pending or in-progress Transactions, you may close your Account at any time by contacting the Partner Provider in writing or via email and requesting that your Account be closed. You may send an email to [email protected]. Because the Partner Provider does not hold stored balances, there is typically no balance to return on closure. If, however, at the time of closure any In-Transit Funds remain in the Partner Provider's hands in respect of a pending, returned, held, or investigated Transaction, the Partner Provider will, once such funds have been cleared, finally settled, and netted against any Fees, liabilities, or amounts owing to the Partner Provider, return them to a Funding Source or payout destination that you designate and that the Partner Provider approves. Settlement will not be made in cash under any circumstances. Customer information will be retained by the Partner Provider for a minimum period of five (5) years, or for such longer period as may be required by applicable laws and regulations (including the PCMLTFA).
You may not close your Account to evade a payment investigation, a dispute, a chargeback, a reversal, a reserve, a compliance hold, or any obligation to the Partner Provider. If you attempt to close your Account while the Partner Provider is conducting an investigation, or while any Transaction remains pending, unsettled, disputed, or under review, the Partner Provider may continue to hold any In-Transit Funds relating to that Transaction for up to 180 days (or such longer period as may be required by applicable law) in order to protect the Partner Provider or any third party against the risk of reversals, chargebacks, claims, fees, fines, penalties, or other liabilities. You will remain liable for all obligations related to your Account even after the Account is closed.
the Partner Provider, in its sole discretion, may place a hold on any In-Transit Funds relating to a Transaction you have initiated or that is intended to be paid to you through the Services, when the Partner Provider believes there may be a high level of risk associated with the Transaction, or where a hold is required or advisable for legal, regulatory, sanctions, fraud, chargeback, or compliance reasons. If the Partner Provider places a hold on a Transaction, it will show as "pending" in your Account.
the Partner Provider will release In-Transit Funds that are the subject of a hold after 21 days unless the Partner Provider receives a dispute, claim, chargeback, reversal, or regulatory inquiry in respect of the Transaction, or where a longer hold is required by applicable law or the Partner Provider's internal policies. the Partner Provider may release the hold earlier if the sender provides satisfactory confirmation, the Partner Provider is able to confirm proper delivery, or the Partner Provider otherwise completes its investigation.
If a dispute, claim, chargeback, reversal, or investigation is raised in respect of a Transaction subject to a hold, the Partner Provider may continue to hold the relevant In-Transit Funds until the matter is resolved pursuant to this Agreement and applicable law.
For high-volume Accounts, including Business Accounts, the Partner Provider may, in its sole discretion, require you to post and maintain a reserve out of In-Transit Funds, incoming settlement amounts, or a separately funded collateral deposit, when the Partner Provider believes there may be a high level of risk associated with your Account. If your Account is subject to a reserve, the Partner Provider will provide you with notice specifying the terms of the reserve. The terms may require that a certain percentage of amounts processed through your Account be held back for a certain period of time, that a certain amount be held as a rolling reserve, or anything else that the Partner Provider determines is necessary to protect against the risk associated with your Account. the Partner Provider may change the terms of the reserve at any time by providing you with notice of the new terms.
Upon termination of this Agreement for any reason, we have the right to prohibit your access to the Services, including without limitation by deactivating your username and password, and to refuse future access to the banking account(s) by you or, if you are a business entity, its parent, affiliates, or subsidiaries, or their successors.
The following Rules and Restrictions for Personal Accounts apply to your use of a Personal Account under this Agreement.
Limits are set on a case-by-case basis according to your financial profile. These limits may change from time to time in the Partner Provider's sole discretion.
In the event of an error, you give the Partner Provider permission, subject to the Partner Provider's compliance with applicable law, to make appropriate corrections by debiting or crediting the relevant Funding Source(s) or payout destination(s) associated with the affected Transaction.
If you believe that any of your banking account registration information, PIN, or your mobile device containing the banking account has been lost or stolen, or if your account history shows transfers that you did not make, you must immediately contact the Partner Provider via the Contact Us information tab or by email at [email protected].
If your account history shows transfers that you did not make, you must immediately contact the Partner Provider via the Contact Us tab or by email at [email protected]. If you do not contact the Partner Provider within 60 days after the account history showing when the unauthorised transfer was made, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. "Business days" include all days that are determined as working days by Canadian law.
YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORISED, OR OTHERWISE IMPROPER USE OF YOUR PASSWORD OR OTHER LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.
The following Rules and Restrictions for Business Accounts apply to your use of a Business Account under this Agreement.
There are limits on the amount you may send or receive using the Service in a given time frame. Limits are set on a case-by-case basis according to the client's financial profile. These limits may change from time to time at the Partner Provider's sole discretion, and the requirements to lift or change those limits may vary based on product usage and/or local regulatory requirements.
In the event of an error, you give the Partner Provider permission, subject to the Partner Provider's compliance with applicable law, to make appropriate corrections by debiting or crediting the relevant Funding Source(s) or payout destination(s) associated with the affected Transaction.
If you open a Business Account, you are providing us with written instructions and authorisation to obtain your personal and/or business credit report from a credit bureau. You are also authorising us to obtain your personal and/or business credit report (a) when you upgrade your Personal Account to a Business Account, or (b) at any time we reasonably believe there may be an increased level of risk associated with your Business Account. An increased level of risk includes, but is not limited to, a high number of chargebacks or reversals, or suspicious activity associated with your account.
If you are a business entity, you represent that you are duly authorised to do business in your jurisdiction of registration, and that your employees, officers, representatives, and other agents accessing the Service are duly authorised to access the Service and to legally bind you to this Agreement and all transactions conducted under your username and password.
If you are a business entity, you agree that all officers, employees, agents, representatives, and others having access to the username and/or password shall be vested by you with the authority to use the Service and to legally bind you. You shall be responsible for all actions by current and former officers, employees, agents, representatives, and others, regardless of whether authorised by you, that access the Service using your username and password.
YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT, UNAUTHORISED, OR OTHERWISE IMPROPER USE OF YOUR PASSWORD OR OTHER LOGIN CREDENTIALS. WE SHALL BE ENTITLED TO RELY ON THE GENUINENESS AND AUTHORITY OF ALL INSTRUCTIONS RECEIVED BY US WHEN ACCOMPANIED BY SUCH PASSWORD, AND TO ACT ON SUCH INSTRUCTIONS.
The following are general terms and conditions that apply to the Service.
You agree that the Partner Provider may provide notice to you by posting it on our Website (including, but not limited to, rules for companies operating a Money Services Business, Privacy Policy, and security statement documents), or, if we have your email address or street address, by emailing it to the email address listed in your account or mailing it to the street address listed in your account. Such notice shall be considered to have been received by you within 24 hours of the time it is posted to our Website or emailed to you, unless we receive notice that the email was not delivered. If the notice is sent by mail, we will consider it to have been received by you seven business days after it is sent. the Partner Provider's business days include all days determined as such by Canadian law. We may also provide notice when you access your banking account. If we make material changes to this Agreement, we will provide 10 days' notice to you before the changes become effective. You acknowledge and agree that we will provide the notice to you. If you do not consent, or at any time withdraw your consent, to receive electronic notices from us, we reserve the right to close your accounts.
Notices to the Partner Provider must be sent by email to [email protected], or by postal mail to the Partner Provider at its registered office in British Columbia, Canada. The current registered office address is available upon request from [email protected].
By providing the Partner Provider a telephone number (including a wireless/cellular telephone), you consent to receiving autodialled and prerecorded message calls from the Partner Provider at that number should the need arise. However, we will never call you for promotional purposes.
The the platform websites may feature third-party offers and enable product searches. the Partner Provider does not warrant that product descriptions, pricing, search results, user ratings and reviews, or any other content on the platform websites is accurate, complete, reliable, or current. This information is provided for informational purposes only and does not constitute an endorsement by the Partner Provider of any product, service, or vendor.
"the Partner Provider", the Partner Provider logo, and all related logos, products, and services described on our Website and mobile applications are either trademarks or registered trademarks of the Partner Provider or its licensors. You may not copy, imitate, or use them without the Partner Provider's prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of the Partner Provider. You may not copy, imitate, or use them without our prior written consent. You may use HTML logos provided by the Partner Provider through our vendor services, SMS tools, promotional tools, or affiliate programs without prior written consent for the purpose of directing web and SMS traffic to the Service. You may not alter, modify, or change these HTML logos in any way, use them in a manner that is disparaging to the Partner Provider or the Service, or display them in any manner that implies the Partner Provider's sponsorship or endorsement. All right, title, and interest in and to the Partner Provider's website and any content thereon is the exclusive property of the Partner Provider and its licensors. Certain other product or service names, brand names, and company names may be trademarks of their respective owners.
It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report, and remit the correct tax to the appropriate tax authority. the Partner Provider is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting, or remitting any taxes arising from any transaction.
Protecting your privacy is very important to us. Please review our Privacy Policy to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. If you receive information about another banking account user through the Service, you must keep the information confidential and only use it in connection with the Service. You may not disclose or distribute a the Partner Provider user's information to a third party, or use the information for marketing purposes, unless you receive the user's express consent to do so.
In connection with your use of our Website, your account, or the Service, or in the course of your interactions with the Partner Provider, a user, or a third party, you will not:
You agree you will not use the Service to violate any law, statute, ordinance, or regulation relating to sales of:
You agree you will not use the Service to facilitate transactions that:
You agree you will not use the Service to facilitate transactions related to the sale of:
You are solely responsible for ensuring that your use of the Service is in conformance with applicable local laws and regulations. By using the Service, you warrant and represent that (i) you are not located in a country that is subject to a Canadian Government embargo, or that has been designated by the Canadian Government as a "terrorist supporting" country; and (ii) you are not listed on any Canadian Government list of prohibited or restricted parties, nor on any analogous list maintained by the United Nations Security Council, the United States (including OFAC), the European Union, the United Kingdom, or any other applicable sanctions authority.
You are solely responsible for ensuring that your use of the Service is in conformance with applicable federal, state, provincial, and local laws and regulations. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties, and other liability incurred by the Partner Provider, a the Partner Provider user, or a third party caused by or arising out of your breach of this Agreement and/or your use of the Service. You agree to reimburse the Partner Provider, a user, or a third party for any and all such liability.
You acknowledge that you are responsible for the accuracy of all payments sent using the Banking Service, including but not limited to the accuracy of the amount paid and the recipient. the Partner Provider shall not be responsible or in any way held liable for inaccurate payments, including but not limited to sending an incorrect amount of money or sending money to an incorrect recipient.
If we have reason to believe that you have engaged in any restricted activities, made excessive or unexplainable transactions, violated any parts of this Agreement, or provided any incorrect information, we may take various actions to protect the Partner Provider, another Service user, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties, and any other liability. The actions we may take include, but are not limited to, the following:
the Partner Provider, in its sole discretion, reserves the right to terminate this Agreement, or suspend or terminate your access to the Website or to the Service, for any reason and at any time upon notice to you.
If we limit or close your account or terminate your use of our Service for any reason, you may contact us and request restoration of access if appropriate. We may restore your account or use of our Services at our sole discretion. You may stop using the Service at any time, or may close your accounts by contacting us. the Partner Provider, in its sole discretion, reserves the right to terminate the Services, to terminate this Agreement, or to terminate your access to the Services for any reason and at any time. If we terminate or limit your use of our Services for any reason, we will use commercially reasonable efforts to provide you with notice of our actions.
Termination does not immediately relieve you of obligations incurred by you under this Agreement. Upon termination, you agree to (i) allow all pending Transactions to complete, return, or settle in accordance with this Agreement, and (ii) stop accepting or initiating new Transactions through the Service. Any In-Transit Funds remaining in the Partner Provider's hands after termination will be dealt with in accordance with Section 13 (Closing Your Account), net of any Fees, fines, or other amounts owing to the Partner Provider.
In addition, upon termination you understand and agree that (i) all licences granted to you by the Partner Provider under this Agreement will end; and (ii) you are still liable to us for any fees, fines, or other financial obligation incurred by you or through your use of the Services prior to termination.
If a dispute arises between you and the Partner Provider, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and the Partner Provider regarding our Services may be reported by emailing us at [email protected].
This Agreement shall be interpreted and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. The parties agree that the courts of British Columbia shall have the jurisdiction to entertain any action or other legal proceedings based on any provisions of this Agreement. Each party attorns to the jurisdiction of the courts of the Province of British Columbia.
To the extent allowed by law, you agree to irrevocably waive any right you may have to a trial by jury or other court trial (other than a small claims court), or to serve as a representative, as a private attorney general, or in any other representative capacity, or to participate as a member of a class of claimants, in any lawsuit, arbitration, or other proceeding filed against us and/or related third parties.
Unless otherwise prohibited by law, you assume all responsibility for your use of the Banking Service, and any other service provided under this Agreement, and use it at your own risk. To the fullest extent permissible under applicable law, all representations, warranties, guarantees, and conditions are disclaimed, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement of intellectual property rights, or other terms which might otherwise be implied by statute, common law, or in equity. the Partner Provider does not warrant that the Services will be uninterrupted or error-free, that defects will be corrected, or that the Services, or the servers that process information for the Services, are free of viruses, bugs, or other harmful components. On behalf of the Partner Provider, Covered Third Parties, and each of our respective affiliates, vendors, agents, and suppliers, the Partner Provider makes the following disclaimers: the Services are provided on an "as is", "as available", and "with all faults" basis, without any representations, warranties, guarantees, or conditions of any kind, express, implied, or statutory, including, but not limited to, any warranty as to the use or operation of the Services, or the information, content, or other materials related to the Service, whether provided by the Partner Provider or any of the Covered Third Parties. Neither the Partner Provider nor any of the Covered Third Parties warrant or make any representations regarding the use or the results of the Service in terms of correctness, accuracy, timeliness, reliability, or otherwise. You assume the entire cost of all necessary maintenance, repair, or correction to any equipment you use in accessing any of the Services, including, but not limited to, your mobile phone or other device.
THE PARTNER PROVIDER IS NOT LIABLE FOR THE CONSEQUENCES OF YOU CHOOSING TO SHARE ANY PAYMENT DETAILS ON SOCIAL MEDIA OR WITHIN THE APP, AND YOU AGREE TO HOLD THE PARTNER PROVIDER HARMLESS AND INDEMNIFY THE PARTNER PROVIDER FROM ANY LIABILITY arising from the actions or inactions of any external social media network in connection with the permissions you grant to the external social media network.
For the Banking Services, the Partner Provider will make reasonable efforts to ensure that all requests for electronic debits and credits involving bank accounts, credit cards, Funding Sources, and payout destinations are processed in a timely manner, but the Partner Provider makes no representations or warranties regarding the amount of time needed to complete processing, as the Partner Provider is dependent upon many factors outside of its control, such as delays in the banking system or in Canadian or international mail services.
FOR JURISDICTIONS THAT DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES OR THE EXCLUSION OF CERTAIN DAMAGES, THE ABOVE DISCLAIMERS AND EXCLUSIONS MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
In no event will the Partner Provider, its affiliates, or their respective directors, officers, employees, or agents be liable (with the exception of the Partner Provider's gross negligence or wilful misconduct) for any incidental, direct, indirect, special, or consequential damages (including, without limitation, damages for personal injury, loss of profits or sales, business interruption, loss of business information, data loss, or any other pecuniary loss) in connection with or arising out of this Agreement, whether caused by circumstances beyond its control (including, without limitation, computer, utility, or remuneration breakdown) or otherwise.
Except as otherwise expressly provided in this Agreement, and to the extent permissible under applicable law, the Partner Provider's cumulative liability to you for any claims or damages arising out of or related to your use of the Banking Service shall not exceed the Fees you paid to the Partner Provider for the last 12 months of Services. For clarity, amounts you pay to fund a Transaction (including the principal amount being sent, exchanged, transferred, or converted, any Exchange Rate spread, and any intermediary or third-party charges) do not constitute "Fees" under this Agreement.
Certain Services require the use of software and software applications provided to you by the Partner Provider (collectively, the "Software"). the Partner Provider and its licensors grant you a limited, non-exclusive licence to use the Partner Provider's software that we provide to you solely in accordance with this Agreement and any user documentation we may provide, including all updates, upgrades, new versions, and replacements of the Software (all of which become part of the "Software") for your personal use only in accordance with this Agreement. If the Software will be downloaded to a mobile device, this licence extends to your use of the Software on a device that you own or control, as long as your use is permitted by the usage rules set forth for your particular device (for example, the Apple App Store Terms of Use or Google Play Store Terms of Use). You may not rent, lease, or otherwise transfer your rights to the Software to a third party. You must comply with the implementation and use requirements for the Software as contained in this Agreement or in any Services documentation we provide to you. If you do not comply with such implementation and use requirements, you will be liable for all resulting damages suffered by you, the Partner Provider, or any third parties. You agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile, or otherwise attempt to create any source code which is derived from the Software. You acknowledge that all rights, title, and interest to the Partner Provider's software are owned by the Partner Provider. Your rights to use the Software cease immediately upon termination of this Agreement, and you must delete all of your copies of the Software.
You agree to defend, indemnify, and hold harmless the Partner Provider and its parent, affiliates, officers, directors, and employees from any claim or demand (including any damages, losses, expenses, and attorney's fees resulting therefrom) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the Service.
If the Partner Provider makes a payment to you for a claim, reversal, or chargeback that you file with us against a recipient of your payment, you agree that the Partner Provider assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, at the Partner Provider's discretion.
If you have a dispute with one or more Banking Service users, the Partner Provider is not responsible for any such dispute, and you hereby release the Partner Provider (and our officers, directors, agents, joint venturers, and employees) from any and all claims, demands, and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.
We may amend this Agreement at any time by posting a revised version on our Website. The revised version will be effective at the time we post it. By using the Services after a new Agreement has been posted, you agree to the revised Agreement.
In the event of termination of this Agreement or the Service, the terms in this Agreement that by their nature are continuing shall survive such termination, including but not limited to the disclaimers and limitations of liabilities.
We shall not be liable for any delay or failure in the performance or in delivery or shipment of materials, or for any damages suffered by you by reason of such delay or failures, directly or indirectly caused by or in any manner arising from or connected with acts of God, acts of public enemies, riots, strikes, acts of governmental agencies, sanctions, pandemic or epidemic outbreaks, labour difficulties, failure of our power, telecommunications, or other suppliers, cyber attacks, blockchain network disruptions, delays in securing or shortages of raw materials, breakdown or destruction of any system or equipment, or any other cause or causes beyond our control, whether or not similar to those enumerated herein.
This Agreement and other documents (including, but not limited to, the Privacy Policy) referenced in or linked to this Agreement, which are hereby incorporated herein and made a part of this Agreement by this reference, contain your and our entire Agreement regarding your use of the Service. If any provision of this Agreement is deemed to be illegal or unenforceable, such provision shall be enforced to the extent possible, and any remaining illegality or unenforceability will not affect the validity or enforceability of any other provisions of this Agreement, which together will be construed as if such illegal or unenforceable provision had not been included in this Agreement. Any legal action arising out of your use of the Service must be brought within one year after the cause of action has arisen. The section headings in this Agreement are for convenience of reference only and are not to be considered as parts, provisions, or interpretations of this Agreement. You may not transfer or assign any rights or obligations you have under this Agreement without the Partner Provider's prior written consent. the Partner Provider reserves the right to transfer or assign this Agreement, or any right or obligation under this Agreement, at any time. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to that breach or subsequent or similar breaches.
The parties agree that they are independent contractors to each other in performing their respective obligations hereunder. Nothing in this Agreement or in the working relationship being established and developed hereunder shall be deemed or is intended to be deemed, nor shall it cause, the parties to be treated as partners, joint venturers, or otherwise as joint associates for profit.
It is the express wish of the parties that this Agreement and all related documents be drawn up in English. Les parties ont exigé que la présente convention et tous les documents qui s'y rattachent soient rédigés en anglais.
If you have questions about this Agreement or the Services, please contact us at [email protected].
The Partner Provider is a federally registered Money Services Business (MSB) with the relevant financial intelligence authority, a registration number on file. The Partner Provider is authorised to conduct foreign exchange dealing, money transferring, virtual currency transactions, and payment services in compliance with Canadian AML/ATF regulations.
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