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Terms of Service

Last Updated: January 2025

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and FIN TWIN Technologies Inc., operating as FINTWIN PAY ("Company," "we," "us," or "our"), a corporation incorporated under the laws of Canada.

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.

2. About Our Company

FIN TWIN Technologies Inc. is a registered Money Services Business (MSB) in Canada:

  • MSB Registration Number: C10001675
  • Corporation Number: 1001472662
  • Registered with FINTRAC (Financial Transactions and Reports Analysis Centre of Canada)
  • Head Office: 1025 King Street East, Unit 107-1587, Cambridge, Ontario, N3H 3P5, Canada

3. Services

We provide the following Money Services Business activities:

  • Foreign Exchange: Currency conversion services
  • Money Transfers: Domestic and international remittance services
  • Money Orders: Issuing and redeeming money orders
  • Virtual Currency Services: Buying, selling, and exchanging cryptocurrency
  • Payment Processing: Payment service provider (PSP) services

All services are provided online only. We do not have physical locations for in-person transactions.

4. Eligibility

To use our services, you must:

  • Be at least 18 years of age (or the age of majority in your jurisdiction)
  • Have the legal capacity to enter into binding contracts
  • Not be a resident of a jurisdiction where our services are prohibited
  • Not be listed on any government sanctions list
  • Provide accurate and complete information during registration
  • Successfully complete our identity verification process

5. Account Registration and Verification

5.1 Registration

To access our services, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials.

5.2 Identity Verification (KYC)

As a regulated MSB, we are required to verify your identity before providing services. This includes:

  • Government-issued photo identification
  • Proof of address
  • Source of funds documentation (where required)
  • Additional documentation as required by law or our risk assessment

We reserve the right to refuse service or close accounts that fail verification or present elevated risk.

5.3 Business Accounts

Business accounts require additional documentation including corporate registration, beneficial ownership information, and authorized signatory verification.

6. Transaction Terms

6.1 Exchange Rates

Exchange rates are quoted at the time of transaction and include our service margin. Rates are subject to change without notice until a transaction is confirmed and locked.

6.2 Fees

Applicable fees are disclosed before you confirm any transaction. Fee schedules are available on our platform and may be updated from time to time.

6.3 Transaction Limits

Transactions are subject to limits based on your verification level, account history, and regulatory requirements. Higher limits may be available upon request with additional verification.

6.4 Processing Times

Transaction processing times vary based on the service type, destination, and verification requirements. Estimated times are provided but not guaranteed.

6.5 Cancellations and Refunds

Once a transaction is initiated, cancellation may not be possible. Refund policies vary by service type and are subject to third-party policies and fees.

7. Prohibited Activities

You agree not to use our services for:

  • Money laundering or terrorist financing
  • Fraud or any illegal activity
  • Circumventing sanctions or export controls
  • Transactions involving illegal goods or services
  • Structuring transactions to avoid reporting requirements
  • Using false or misleading information
  • Attempting to manipulate or abuse our systems
  • Violating any applicable laws or regulations

8. Compliance and Reporting

As a registered MSB, we are required to:

  • Report certain transactions to FINTRAC
  • Maintain records for a minimum of five years
  • Report suspicious transactions
  • Comply with sanctions screening requirements
  • Respond to law enforcement inquiries

By using our services, you consent to these compliance activities.

9. Account Suspension and Termination

We may suspend or terminate your account immediately if:

  • You violate these Terms
  • We suspect fraudulent or illegal activity
  • Required by law or regulatory authority
  • You fail to complete required verification
  • Your account poses unacceptable risk

You may close your account at any time by contacting us, subject to completion of any pending transactions.

10. Intellectual Property

All content, trademarks, and intellectual property on our platform are owned by FIN TWIN Technologies Inc. or our licensors. You may not copy, modify, or distribute our content without written permission.

11. Limitation of Liability

To the maximum extent permitted by law:

  • Our services are provided "as is" without warranties of any kind
  • We are not liable for indirect, incidental, or consequential damages
  • Our total liability is limited to the fees paid for the specific transaction in question
  • We are not responsible for losses caused by third parties, including banks and payment networks

12. Indemnification

You agree to indemnify and hold harmless FIN TWIN Technologies Inc., its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

13. Dispute Resolution

Any disputes arising from these Terms or our services shall be:

  • First addressed through our complaint handling procedure
  • Governed by the laws of Ontario, Canada
  • Subject to the exclusive jurisdiction of the courts of Ontario

14. Amendments

We may modify these Terms at any time. Material changes will be communicated via email or platform notification. Continued use of our services after changes constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and AML/ATF Policy, constitute the entire agreement between you and FIN TWIN Technologies Inc.

17. Contact Information

For questions about these Terms, please contact:

FIN TWIN Technologies Inc.
1025 King Street East, Unit 107-1587
Cambridge, Ontario, N3H 3P5, Canada
Email: [email protected]