Terms & Conditions.

1. The Service

These Terms and Conditions ("Agreement" or "Terms") govern your use of the Go Remit Pay mobile application on iOS and Android (the "App") and the remittance services provided by Go Remit Pay LTD ("Company," "we," "us," or "our"). They form a legally binding contract between you and Go Remit Pay LTD.

By creating an account, installing the App, or using any part of the Service, you confirm that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy. If you do not agree, do not register for or use the Service.

2. Acceptance and Updates

We may change these Terms from time to time. If the change is significant, we will provide notice in the App, by email, or by another reasonable method at least 15 days before the change takes effect, unless a shorter period is required by law or needed for security reasons. Your continued use of the Service after the effective date of the change means that you accept the updated Terms. If you do not accept a change, you must stop using the Service and close your account.

3. Regulatory Status

Go Remit Pay LTD is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number N300000106. We operate in strict compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), its regulations, and other applicable Canadian laws including the Criminal Code, the Special Economic Measures Act, the United Nations Act, the Justice for Victims of Corrupt Foreign Officials Act, and consumer protection laws in Alberta and other provinces in which we operate.

Our registration and compliance program do not mean that FINTRAC endorses or guarantees our Service. They mean that we are authorized to operate as an MSB and that we are subject to audit and supervision by FINTRAC.

4. Eligibility and Jurisdiction

To use the Service, you must:

Be a natural person who is at least 18 years old and who has the legal capacity to enter into a binding contract in your province or territory.
Reside in a Canadian province or territory where we are authorized to offer the Service. The Service is not currently available to residents of Quebec.
Provide accurate, current, and complete information during onboarding and keep your profile up to date.
Use the Service only for lawful, personal, and non commercial purposes, unless we have entered into a separate business agreement with you.

We may refuse to open an account, or close an existing account, if we determine that you do not meet these eligibility requirements or if we cannot satisfy our regulatory obligations regarding your account.

5. Account Registration and Security

When you create an account you will choose a unique username and password and you may enable biometric login. You are responsible for keeping your credentials confidential and for every activity that takes place through your account. You must notify us right away if you suspect any unauthorized access, loss of your device, or other security incident. We may freeze your account while we investigate.

Each person may only hold one active account. You must not share your account with anyone else, and you must not create an account for another person or in a false name. If you allow someone else to use your account, you are fully responsible for their activity.

6. Identity Verification and KYC

Under FINTRAC regulations, we are required to verify your identity before we open your account and we are required to confirm that information from time to time afterwards. We may do this by credit file method, by government issued photo identification, or by another method permitted by law.

Documentation: you must provide valid, non expired, government issued photo identification and, where required, proof of address, occupation, source of funds, and source of wealth.
Liveness Checks: we may ask you to take a live selfie or short video so we can confirm that you are the person shown on your identification.
PEP and HIO Declaration: you must disclose if you, or a close family member or close associate, are a Politically Exposed Person (PEP) or a Head of an International Organization (HIO). Enhanced due diligence applies if you are.
Third Party Determination: you must tell us whether you are acting on your own behalf or on behalf of another person. Using the Service for a third party without disclosure is strictly prohibited and may be a criminal offence.

If we cannot verify your identity to our satisfaction, we will not be able to open your account or complete your transaction.

7. Ongoing Monitoring and Enhanced Due Diligence

We monitor accounts and transactions on an ongoing basis to meet our AML and sanctions obligations. As part of this process we may:

Ask you to confirm or update your personal information, occupation, and contact details.
Request information about the purpose of a specific transaction, the source of the funds, or the relationship with the recipient.
Apply additional controls, limits, or approvals for higher risk accounts, including PEPs, HIOs, and accounts with higher risk geographies.
Hold, delay, or cancel a transaction while we complete our review.

You agree to provide the information and documents we request in a timely manner. If you do not respond or if the information you provide is not satisfactory, we may decline the transaction, suspend your account, or close it.

8. Sanctions and Watchlist Screening

We screen you, your beneficiaries, and the parties to each transaction against Canadian and international sanctions and terrorism lists, including those administered by OSFI under SEMA, the United Nations Act, the Justice for Victims of Corrupt Foreign Officials Act, and the Criminal Code, as well as lists required by our banking partners and by the laws of destination countries.

If a potential match is identified, we may delay, decline, or reverse the transaction, freeze the funds, and file a report with the appropriate authority. In some cases we are legally prohibited from explaining why a transaction was held or declined. You agree that we are not liable for losses you suffer as a result of actions we take to comply with sanctions laws.

9. Transactions and Fees

Exchange Rates: foreign exchange rates move constantly. The rate that applies to your transaction is the rate shown on the confirmation screen at the time you press "Confirm." The rate we offer you includes our margin and may be different from the interbank or mid market rate.
Fees: our service fees are shown before you confirm each transaction. You are responsible for any fees or charges applied by your own bank, card issuer, mobile carrier, or by intermediaries in the payment route to your recipient.
Travel Rule: for electronic funds transfers of $1,000 CAD or more, Canadian law requires us to include your name, address, and account number, as well as the recipient's information, in the data that travels with the transfer.
Payment Methods: we may restrict the payment methods you can use based on risk, regulatory requirements, and agreements with our partners.
Delivery Times: estimated delivery times are estimates only and depend on factors outside our control, including the recipient's bank, intermediary banks, time zones, and local holidays.

10. Transaction Limits and Reporting

Limits: we may set daily, weekly, monthly, or lifetime limits on your transfers based on your customer risk rating, identity verification level, destination country, and regulatory requirements. We may change your limits at any time with reasonable notice, except where immediate change is required by law or for security reasons.
Large Value Reporting: we are required to report to FINTRAC any single transaction or series of related transactions of $10,000 CAD or more within 24 hours, including the name and address of the person or entity giving us the funds.
Virtual Currency Reporting: where virtual currency is involved, we are required to report amounts equivalent to $10,000 CAD or more, consistent with FINTRAC's virtual currency transaction reporting requirements.
Suspicious Transactions: we are required to report any transaction or attempted transaction where there are reasonable grounds to suspect that it is related to the commission or attempted commission of a money laundering offence, a terrorism financing offence, or a sanctions evasion offence. We file these reports without notice to you, as required by law.

11. Virtual Currency

The Service does not currently support sending or receiving virtual currency such as Bitcoin or other crypto assets. If we introduce virtual currency features in the future, we will update these Terms and give you clear information about the additional risks, fees, and regulatory requirements before you can opt in. Any future virtual currency transactions will be subject to the same FINTRAC reporting and record keeping requirements as fiat transactions, including the virtual currency travel rule.

12. Cancellations, Refunds, and Errors

Cancellation by You: you can request cancellation of a transfer at any time before the funds have been paid out to the recipient or deposited into their account. Once the funds have been delivered, the transaction cannot be reversed without the recipient's cooperation.
Refunds: if we approve a refund, it will be returned to the original payment method. If the currency has moved between the original transaction and the refund, the amount refunded in Canadian dollars may be higher or lower than the amount you originally paid.
Errors by You: you are responsible for the accuracy of the information you enter, including the recipient's name, account number, address, and amount. We cannot guarantee recovery of funds sent to an incorrect account because of an error by you.
Errors by Us: if we make an error, we will correct it at no cost to you and we will work with our partners to make you whole. Where the law requires it, we will issue a refund of our fees in addition to returning your funds.

13. Prohibited Activities

You must not use the Service for:

Any illegal activity, including money laundering, terrorist financing, tax evasion, fraud, or sanctions evasion.
Sending funds to or on behalf of any individual or entity that appears on a sanctions or terrorist list administered by OSFI, the UN, Canada, or any country to which or from which funds are being sent.
Sending funds in connection with adult content involving minors, trafficking in persons, illegal firearms, illegal drugs, or any other unlawful goods or services.
Gambling, where it is not permitted in your province or in the recipient's country.
Business or commercial transactions, unless you have entered into a separate written agreement with us.
Providing false, misleading, or incomplete information during registration or in connection with a transaction.
Attempting to bypass transaction limits, break our technical controls, or access parts of our systems that are not intended for you.

We may investigate, suspend, or close any account that we believe has been used for a prohibited activity and we may report that activity to FINTRAC and to law enforcement.

14. Electronic Communications and Consent

By creating an account, you consent to receive communications from us electronically, including through the App, by email, by push notification, and by SMS. This includes receipts, security alerts, changes to these Terms, regulatory notices, and other service messages. These messages are not optional because they are required for us to provide the Service and to meet our compliance obligations.

Marketing messages, such as promotions or referral offers, will only be sent if you provide express opt in consent under Canada's Anti Spam Legislation (CASL). You can withdraw your marketing consent at any time through the app settings, by using the unsubscribe link in any marketing email, or by contacting our Privacy Officer.

15. Account Suspension and Termination

We may suspend or terminate your account, with or without notice, if we believe any of the following applies:

You have breached these Terms, the Privacy Policy, or any applicable law.
We are unable to verify or re-verify your identity.
Your activity creates an unacceptable legal, regulatory, or reputational risk for us or our partners.
We are required to do so by a regulator, court, or law enforcement authority.
We decide to stop providing the Service, in whole or in part.

You may close your account at any time by contacting support or using the in app account closure option. Closing your account does not release you from any obligations that arose before closure, including in respect of pending transactions or reporting.

16. Account Deletion and Data Retention

You may request deletion of your personal information after closing your account. However, under FINTRAC and PCMLTFA record keeping requirements, we are required to keep your identity, transaction, and compliance records for at least five years from the day your account is closed or from the day the record was created, whichever is later. We may keep records longer where another law, court order, or investigation requires it. Full details are provided in our Privacy Policy.

17. Intellectual Property

Go Remit Pay LTD owns, or has the right to use, all content, software, logos, and trademarks that appear in the Service. We grant you a limited, personal, non exclusive, non transferable, revocable licence to use the App and the Service for your own personal remittance needs. You must not copy, modify, reverse engineer, decompile, distribute, or create derivative works from the App or the Service, except as expressly permitted by law.

18. App Store and Third Party Terms

If you download the App from the Apple App Store or Google Play Store, your use is also subject to their terms. In particular, these Terms are concluded between you and Go Remit Pay LTD only, and not with Apple Inc. or Google LLC. Apple and Google are not responsible for the App or for any claims related to it, but you acknowledge that they are third party beneficiaries of these Terms and may enforce them against you.

The Service may also rely on third party services such as banking partners, identity verification vendors, map providers, and analytics tools. Your use of those services may also be subject to their own terms and privacy practices, which we encourage you to review.

19. Complaints and Dispute Resolution

We want to resolve problems quickly and fairly. If you have a concern about the Service, please follow these steps:

Step 1: contact our support team through the App or by email at compliance@goremitpay.com with a clear description of the problem. We will acknowledge your complaint within 5 business days and try to resolve it within 30 calendar days.
Step 2: if you are not satisfied with the response, you can escalate the complaint to our Chief Compliance Officer at the same email address, marked "Complaint Escalation." We will provide a final written response within a further 30 days.
Step 3: if your complaint is still not resolved, you may contact your provincial consumer protection authority, the Financial Consumer Agency of Canada, or another appropriate regulator. Nothing in these Terms limits your statutory rights.

We will keep a record of all complaints and the steps taken to address them.

20. Limitation of Liability

Go Remit Pay LTD provides the Service on an "as is" and "as available" basis. To the maximum extent permitted by law, we are not responsible for losses that result from:

Errors that you make, such as sending funds to the wrong recipient or entering an incorrect account number.
Delays, errors, or failures caused by banking partners, payment processors, telecommunications providers, or other third parties.
Regulatory holds, reviews, or investigations, including those required by sanctions or anti money laundering laws.
Outages of our systems or of third party systems caused by events beyond our reasonable control, such as internet failures, power outages, natural disasters, cyber attacks, or government action.
Unauthorized use of your account caused by your failure to keep your credentials or your device secure.

Our total liability to you for any claim connected with the Service is limited to the fees you paid to us for the specific transaction that is the subject of the claim. Nothing in this section limits liability that cannot be limited under applicable consumer protection law.

21. Indemnification

You agree to indemnify, defend, and hold harmless Go Remit Pay LTD and our directors, officers, employees, and partners from any claims, losses, damages, fines, or costs (including reasonable legal fees) that arise from your breach of these Terms, your misuse of the Service, your violation of any law, or your infringement of the rights of any third party.

22. Governing Law and Jurisdiction

These Terms and any dispute arising from or related to them or to the Service are governed by the laws of the Province of Alberta and the federal laws of Canada that apply there, without regard to conflict of laws principles. Subject to any mandatory consumer protection law that gives you the right to bring a claim in your home province, you and we submit to the exclusive jurisdiction of the courts of Alberta for any such dispute.

23. Assignment and Severability

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets. If any part of these Terms is found to be unenforceable, the rest of the Terms will remain in effect, and the unenforceable part will be modified to the minimum extent necessary to make it enforceable.

24. Entire Agreement

These Terms, together with the Privacy Policy and any other policies we link to from the App, form the entire agreement between you and Go Remit Pay LTD about your use of the Service. They replace any earlier agreements or understandings on the same subject.

25. Contact Us

If you have questions about these Terms, please contact our Compliance Department:

Email: compliance@goremitpay.com
Mail: Compliance Department, Go Remit Pay LTD, 2nd Floor, 243 - 4909 50 St, Red Deer, Alberta, Canada, T4N 1X8