Terms and conditions

Company Details

Platform Name: REMITEDGE
Operating Company: REMITEDGE TECHNOLOGIES LTD
Ontario Corporation Number: 1001172365
MSB Registration Number: C100000583
Jurisdiction: Ontario, Canada
Registered Address: 80 Birmingham Street, Toronto, ON M8V 3W6, Canada
Support Email: business@finholy.com

1. Introduction

1.1. These Terms and Conditions (“Terms”) govern the use of the REMITEDGE digital wallet service and associated features provided by REMITEDGE TECHNOLOGIES LTD (“the Company”, “we”, “us”, “our”).

1.2. By creating an account or using the Service, the user (“User”, “you”) agrees to be bound by these Terms.

1.3. If you do not agree to these Terms, you must not use the Service.

1.4. The Company may amend these Terms at any time. Continued use of the Service constitutes acceptance of the updated Terms.

1.5. These Terms apply to Users in Canada and abroad, subject to applicable laws and regulatory requirements.

2. Definitions

“Account” – A digital wallet account registered to the User.
“Wallet” / “Service” – The REMITEDGE digital wallet platform enabling transactions and financial activity.
“User” – Any individual using the Service.
“Balance” – Funds held in the Account.
“Deposit” – Loading funds into the Wallet.
“Withdrawal” – Transferring funds from the Wallet to a bank account or other approved external destination.
“Transfer” – Sending or receiving funds between Users or approved destinations within the Service.
“Card” – A debit, prepaid, virtual, or other payment card issued to the User, if applicable.

3. Eligibility and Account Registration

3.1. Users must complete registration and provide accurate, complete, and up-to-date personal information.

3.2. The Company may require identity verification (KYC), including documentation, self-identification photos, proof of address, source-of-funds documentation, or any other information reasonably required for compliance purposes.

3.3. The Company reserves the right to approve or decline account registration at its sole discretion.

3.4. Users must ensure that all information provided remains accurate and updated at all times.

4. Use of the Service

4.1. The Service enables Users to deposit, withdraw, transfer and receive funds, and to use payment cards if issued.

4.2. The Wallet may only be used for lawful purposes and in accordance with applicable laws in Canada, Ontario, and any jurisdiction where the User accesses or uses the Service.

4.3. The following activities are strictly prohibited:

Money laundering
Terrorist financing
Fraud or deceptive activity
Unauthorized gambling
Illegal trade or services
Circumventing regulatory restrictions or sanctions

4.4. The Company may restrict, block, suspend, or terminate Accounts suspected of prohibited activity.

5. Deposits and Withdrawals

5.1. Funds may be deposited using approved methods made available by the Company.

5.2. Withdrawals may only be made to bank accounts or other approved payment instruments, subject to the Company’s compliance and operational requirements.

5.3. The Company may delay withdrawals for compliance reviews, fraud checks, security assessments, or system validation.

5.4. The Company is not responsible for delays caused by banks, payment processors, card networks, or third-party providers.

6. Transfers Between Users

6.1. Users may send and receive funds from other registered Users or through other approved transfer functionalities made available within the Service.

6.2. Transfers are final and irreversible, unless reversed or withheld by the Company for compliance, security, legal, or operational reasons.

6.3. Incorrect input of recipient details is the User’s responsibility.

6.4. The Company may cancel, reject, reverse, or hold transfers suspected of unlawful, irregular, or unauthorized activity.

7. Card Usage (if applicable)

7.1. The Company may offer debit, prepaid, virtual, or other cards linked to the Wallet, subject to eligibility and applicable regulation.

7.2. Card usage is subject to the rules of the relevant card network, issuer, and applicable payment scheme requirements.

7.3. Card transactions may be declined, delayed, or restricted for security, compliance, fraud-prevention, or operational reasons.

7.4. The Company is not liable for merchant refusals, processing failures, or third-party service interruptions related to card usage.

8. Limits and Restrictions

8.1. The Company may impose usage limits, verification tiers, transaction controls, and risk-based restrictions.

8.2. Such limits or restrictions may be adjusted from time to time based on compliance requirements, regulatory obligations, operational considerations, or risk assessment.

8.3. The Company may temporarily or permanently limit deposits, withdrawals, transfers, or card usage at its discretion.

9. Fees and Charges

9.1. The Company may charge fees for certain services, as published or communicated from time to time.

9.2. Fees may be amended at any time, subject to applicable law.

9.3. Applicable fees may be deducted directly from the User’s Wallet Balance or otherwise charged through an approved payment method.

10. Account Suspension and Termination

10.1. The Company may suspend, restrict, or terminate a User’s Account in cases including, but not limited to:

Suspicion of unlawful conduct
Violation of these Terms
Providing false, misleading, or incomplete information
Risk to the integrity, security, or operation of the Service
Legal, regulatory, or law enforcement requirements

10.2. Funds may be held, restricted, or delayed during ongoing investigations, reviews, or compliance checks.

10.3. Suspended or terminated Users may be required to provide additional documents or information.

11. User Responsibilities and Security

11.1. Users must keep their login credentials, authentication methods, and account access details confidential.

11.2. The User is responsible for any activity performed using their Account, except where otherwise required by applicable law.

11.3. The User must notify the Company immediately if unauthorized access, suspicious activity, or security compromise is suspected.

12. Privacy

12.1. The Company processes personal data in accordance with its Privacy Policy and applicable data protection laws.

12.2. By using the Service, the User acknowledges and agrees that the Company may collect, use, store, and process personal information for operational, security, compliance, fraud-prevention, and regulatory purposes.

13. Liability and Disclaimer

13.1. The Service is provided on an “AS IS” and “AS AVAILABLE” basis.

13.2. The Company does not guarantee uninterrupted, error-free, or fully secure operation of the Service at all times.

13.3. To the maximum extent permitted by law, the Company shall not be liable for indirect, incidental, special, consequential, or punitive damages, including loss of funds, profits, business, opportunity, or data.

13.4. The Company is not responsible for failures, interruptions, or delays caused by third-party service providers, including banks, card issuers, card networks, payment processors, telecommunications providers, or hosting providers.

14. Account Closure

14.1. Users may request account closure at any time.

14.2. The Company may refuse, delay, or condition closure where investigations, regulatory obligations, outstanding liabilities, or compliance reviews remain pending.

14.3. Any remaining funds may be transferred to an approved destination after completion of applicable compliance and verification checks.

15. Modifications to the Service

15.1. The Company may modify, suspend, restrict, or discontinue any part of the Service at any time.

15.2. Significant changes may be communicated to Users through the app, website, platform interface, or email, where appropriate.

16. Governing Law and Jurisdiction

16.1. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

16.2. Exclusive jurisdiction for disputes arising out of or in connection with these Terms or the Service shall lie with the competent courts of Ontario, Canada.

REMITEDGE – Privacy Policy

Company Details

1. General

1.1. This Privacy Policy (“Policy”) explains how REMITEDGE TECHNOLOGIES LTD (“the Company”, “we”, “us”, “our”) collects, uses, stores, shares, and protects personal information relating to users of the REMITEDGE platform (“Platform”, “Service”).

1.2. By accessing or using the Service, you acknowledge that your personal information may be processed in accordance with this Policy.

1.3. The Company may update this Policy from time to time. The latest version will be made available through the website, app, or platform interface.

2. Types of Information We Collect

The Company may collect the following categories of information:

2.1. Personal Information Required for Verification and Use of the Service

Full name
Government-issued identification number, passport number, or similar identification details
Date of birth
Residential address
Phone number
Email address
Identification documents and KYC documentation
Proof of address
Source of funds or source of wealth information, where required
Facial image or selfie for identity verification, where applicable
Bank account information
Payment card details through secure methods or tokenization only; the Company does not intentionally store full card numbers unless permitted by applicable law and secured appropriately

2.2. Technical and Operational Information

IP address
Device type and browser information
Operating system and app/browser version
Device identifiers
Session identifiers
Log files and usage records
Location data, where permitted by the user or enabled by device settings
Cookies, pixels, and similar tracking technologies

2.3. Financial and Transaction Information

Account balances
Deposit and withdrawal history
Transfer history
Payment and card transaction records
Verification status
Payment confirmations and transaction-related operational data

3. Purposes of Processing

We process personal information for the following purposes:

3.1. To Provide and Operate the Service

Opening and maintaining accounts
Verifying identity
Processing deposits, withdrawals, and transfers
Enabling card functionality, where applicable
Generating statements, confirmations, and reports
Providing customer support

3.2. To Comply with Legal and Regulatory Obligations

Anti-money laundering (AML) compliance
Counter-terrorist financing (CTF) compliance
Fraud prevention and financial crime monitoring
Sanctions screening
Responding to lawful requests from regulators, courts, law enforcement, or other competent authorities

3.3. For Security and Risk Management

Detecting unauthorized access
Monitoring suspicious or unusual activity
Protecting users, accounts, systems, and infrastructure
Preventing abuse, misuse, and fraud

3.4. To Improve and Develop the Service

Analyzing usage patterns
Improving performance and usability
Developing new features and services
Testing, troubleshooting, and internal analytics

3.5. For Communications

Sending service-related notices
Responding to support requests
Sending important account, security, and compliance updates
Sending marketing communications where permitted by law or based on user consent

4. Sharing Information with Third Parties

We may share personal information only where reasonably necessary and lawful, including in the following cases:

4.1. Service Providers and Vendors

Identity verification and KYC providers
Payment processors and banking partners
Card issuers and card program managers
Hosting, cloud, and infrastructure providers
Security monitoring and fraud prevention providers
Analytics, messaging, SMS, and email service providers
Technical support and operational vendors

Such providers may process information on our behalf and are expected to maintain confidentiality and appropriate security measures.

4.2. Financial Institutions and Payment Networks

Banks
Financial institutions
Card networks
Payment schemes
Regulated financial counterparties involved in transactions or service delivery

4.3. Legal, Regulatory, and Law Enforcement Authorities

We may disclose information where necessary to:

Comply with applicable law
Respond to court orders, subpoenas, or regulatory demands
Investigate suspected fraud, illegal activity, money laundering, terrorist financing, or sanctions violations
Protect the rights, property, or safety of the Company, users, or third parties

4.4. Corporate Transactions

We may share information in connection with a merger, acquisition, restructuring, financing, asset sale, or similar corporate transaction, subject to appropriate safeguards where required.

4.5. Aggregated or Anonymized Data

We may use and share aggregated, statistical, or anonymized data that does not identify any individual.

5. International Data Transfers

5.1. Personal information may be stored, processed, or accessed in jurisdictions outside your country of residence, including jurisdictions that may have different data protection laws.

5.2. Where required, the Company will take reasonable contractual, organizational, and technical steps to ensure an appropriate level of protection for transferred data.

5.3. By using the Service, you understand that your information may be transferred internationally as necessary for service operation, compliance, security, and support.

6. Data Retention

6.1. We retain personal information for as long as necessary to provide the Service and maintain your account.

6.2. We may retain information for longer periods where required by law, regulation, AML obligations, fraud prevention needs, dispute resolution, audits, enforcement of our rights, or legitimate business purposes.

6.3. When information is no longer required, we may delete it, anonymize it, or archive it securely in accordance with legal and operational requirements.

7. Data Security

7.1. The Company maintains reasonable administrative, technical, and physical safeguards designed to protect personal information, including measures such as:

Encryption
Access controls
Secure infrastructure
Monitoring and logging
Firewalls and other security protections
Internal security procedures and risk management controls

7.2. Users are responsible for keeping their credentials, devices, and authentication methods secure.

7.3. While we strive to protect information, no method of transmission or storage is completely secure, and the Company cannot guarantee absolute security.

8. User Rights

Subject to applicable law, users may have the right to:

Request access to personal information
Request correction of inaccurate or incomplete information
Request deletion of information, where legally permissible
Request restriction of processing in certain cases
Object to certain processing activities
Withdraw consent where processing is based on consent
Request to stop receiving marketing communications

Requests may be submitted to: business@finholy.com

We may need to verify identity before processing certain requests.

9. Cookies and Similar Technologies

9.1. The website, app, or platform may use:

Cookies
Pixels
SDKs
Device identifiers
Local storage
Similar tracking technologies

9.2. These technologies may be used for purposes including:

Authentication
Security
Fraud prevention
Analytics
Performance monitoring
Remembering preferences
Improving user experience

9.3. Users may manage cookie settings through their browser or device settings, although disabling certain technologies may affect functionality.

10. Marketing Communications

10.1. The Company may send operational or service-related communications that are necessary for account management and use of the Service.

10.2. The Company may also send promotional or marketing communications where permitted by applicable law or based on user consent.

10.3. Users may opt out of marketing communications at any time by using the unsubscribe option or contacting us.

11. Children

11.1. The Service is intended only for individuals who are at least 18 years old, or such higher age as may be required by applicable law.

11.2. The Company does not knowingly collect personal information from children who are not legally permitted to use the Service.

12. Changes to This Policy

12.1. We may modify this Privacy Policy from time to time.

12.2. Material changes may be communicated through the website, app, platform, or email where appropriate.

12.3. Continued use of the Service after an updated Policy becomes effective may constitute acceptance of the revised Policy, subject to applicable law.

13. Contact Us

For questions, requests, or concerns regarding this Privacy Policy or the handling of personal information, please contact:

REMITEDGE TECHNOLOGIES LTD
80 Birmingham Street, Toronto, ON M8V 3W6, Canada
Email: business@finholy.com