Simple & Secure Online Banking

Terms of Use

1. Terms of Use of Website

Welcome to the A Remit Ltd. website, located at https://aremit.co. Before using the Website or the information and services offered by A Remit Ltd., its subsidiaries, and affiliates (hereinafter referred to as “A Remit Ltd.,” “we,” “us,” or “our”), please read these Terms and Conditions of Use (hereinafter referred to as the “Terms”) carefully.

By accessing or using the Website, you agree to be bound by these Terms, which constitute a legally binding agreement between you and A Remit Ltd.

If you do not agree with any part of these Terms, you must not access or use the Website.

A Remit Ltd. reserves the right to modify these Terms and any other material on the Website at any time without prior notice. The most current version of these Terms will always be available on the Website, and you are encouraged to review them periodically. Your continued use of the Website following the posting of any changes constitutes your acceptance of the revised Terms.

2. Scope of Terms

These Terms apply to the A Remit Ltd. website located at https://aremit.co, as well as all websites, subdomains, and web pages owned or operated by A Remit Ltd., including any secure areas of the Website.

These Terms also apply to all online materials, resources, download areas, tools, and interactive features, including, without limitation, blogs, chat features, contact forms, and information relating to our service offerings (collectively, the “Online Mediums”), whether existing now or developed in the future.

These Terms shall remain in full force and effect except to the extent that they conflict with any additional or medium-specific terms and conditions that A Remit Ltd. may publish for a particular service, feature, or Online Medium.

3. Eligibility and Regulatory Compliance

A Remit Ltd. is a corporation incorporated under the laws of the Province of Ontario, Canada, and is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB) under Registration No. C100000745. This registration authorizes A Remit Ltd. to provide money transfer, foreign exchange, and virtual currency exchange services in accordance with Canada’s Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its associated regulations.

Registration with FINTRAC does not constitute an endorsement or guarantee by FINTRAC, the Government of Canada, or any other regulatory authority regarding the quality, safety, reliability, or performance of our services.

To use certain features of the Website or our services, you must be at least 18 years of age (or the age of majority in your province or territory of residence, if higher) and legally capable of entering into a binding contract. You represent and warrant that all information you provide to us, including information submitted for identity verification and Know Your Customer (KYC) purposes, is accurate, current, complete, and truthful.

As a regulated Money Services Business (MSB), we are required by law to verify your identity, monitor transactions, and, where required, report certain transactions or activities to FINTRAC or other competent authorities. We reserve the right to request additional identification or supporting documentation at any time and to decline, delay, suspend, or reverse any transaction where required by law or where we reasonably suspect fraud, money laundering, terrorist financing, sanctions violations, or any breach of these Terms.

4. Website Usage

You agree to use the Website only in compliance with all applicable federal, provincial, territorial, and local laws, regulations, and legal requirements, and solely for lawful purposes. Any content or information that you submit, post, transmit, or otherwise make available through the Website is your sole responsibility.

You agree not to engage in any activity that may damage, disrupt, interfere with, or impair the operation, security, or availability of the Website, including, without limitation, introducing viruses, malware, ransomware, or any other harmful code or technology.

In addition, you agree not to attempt to gain unauthorized access to the Website or any related accounts, systems, networks, servers, or data, nor to interfere with or circumvent any security features or access controls implemented by A Remit Ltd.

5. Privacy of Your Data

A Remit Ltd. is committed to protecting your personal information and respecting your right to privacy. We collect, use, disclose, retain, and safeguard personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), other applicable Canadian privacy laws, and our record-keeping obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).

Please review our Privacy Policy to understand how we collect, use, disclose, retain, and protect your personal information when you access the Website or use our services. By using the Website or our services, you acknowledge that you have read and understood our Privacy Policy.

6. Money Transfer, Foreign Exchange and Virtual Currency Services

Where the Website describes or facilitates access to A Remit Ltd.’s international money transfer, foreign exchange, or virtual currency services, the following additional terms shall apply:

  • Exchange rates and fees for money transfer and foreign exchange services are determined by A Remit Ltd. at the time of the transaction and may fluctuate. Any exchange rate quoted at the time you initiate a transaction is subject to change and is not guaranteed until the transaction has been accepted and confirmed by A Remit Ltd.
  • Virtual currencies (including cryptocurrencies) are not legal tender in Canada and are not issued, backed, or insured by the Government of Canada, the Canada Deposit Insurance Corporation (CDIC), or any other government authority. Virtual currencies are subject to significant price volatility, market fluctuations, liquidity risks, and regulatory changes.
  • Transactions involving virtual currencies may be irreversible once confirmed on the applicable blockchain or distributed ledger. A Remit Ltd. is not responsible for any loss resulting from incorrect wallet addresses, network failures, blockchain delays, or the failure of any third-party wallet, exchange, or service provider.
  • A Remit Ltd. may impose transaction limits, holding periods, enhanced due diligence measures, or additional identity verification requirements on any transaction where necessary to comply with applicable laws, regulatory requirements, or our internal compliance policies.
  • Nothing contained on the Website constitutes financial, investment, tax, accounting, or legal advice. You should obtain independent professional advice before making any decision relating to money transfers, foreign exchange transactions, or virtual currencies.

7. Links to Third-Party Websites

The Website may contain references to and links to external websites (collectively, the “Linked Websites”) that are not owned, operated, or controlled by A Remit Ltd. These links are provided solely for your convenience and informational purposes.

You access and use Linked Websites at your own risk. A Remit Ltd. is not responsible or liable for any loss, damage, or expense arising from your decision to leave the Website or from your use of any content, products, goods, or services made available on or through any Linked Website, whether such damages are direct, indirect, incidental, consequential, or otherwise.

The Linked Websites have not been reviewed, verified, or approved by A Remit Ltd., and we are not responsible for the accuracy, availability, security, privacy practices, or content of any Linked Website.

The inclusion of any link does not imply that A Remit Ltd. endorses, sponsors, approves, or has any affiliation with the Linked Websites, their owners, operators, or any products or services offered through them. Please note that Linked Websites are independent third-party websites, even if they display A Remit Ltd. branding, trademarks, or logos, and A Remit Ltd. has no control over their content or operations.

A Remit Ltd. is not a party to, and shall not be liable for, any transaction, agreement, or relationship you enter into with any third party, even if you became aware of that third party through the Website.

Before accessing or using any third-party website, you should review its applicable terms of use and privacy policies. Your use of any Linked Website is subject to the terms and conditions of that third party.

8. Intellectual Property Rights

The Website, including all past, present, and future versions; all pages contained therein; its content and information; and all graphics, text, images, audio, video, designs, compilations, advertising copy, articles, user interfaces, artwork, software applications, and all other copyrightable materials (collectively, the “Content”), are protected by Canadian and international intellectual property laws, including, without limitation, copyright, trademark, trade dress, domain name, patent, and trade secret laws and applicable treaties.

You agree to comply with all applicable intellectual property laws and any proprietary notices displayed on the Website when accessing or using the Website or the Content. All rights not expressly granted under these Terms are reserved by A Remit Ltd.

Without the express prior written consent of A Remit Ltd., the Website and the Content may not be copied, reproduced, modified, altered, translated, transmitted, displayed, published, distributed, sold, licensed, or otherwise disseminated in any form or by any means.

You may view, print, and download Content solely for your personal, non-commercial, and informational use, provided that you retain all copyright notices and other proprietary notices contained in the original Content. Any unauthorized use of the Website or Content may violate applicable intellectual property laws and other legal requirements.

The Website may contain content submitted by users or third parties, including comments, suggestions, feedback, or other materials (collectively, the “Submissions”). A Remit Ltd. does not claim ownership of any Submissions and disclaims responsibility for any errors, omissions, or damages arising from such Submissions.

A Remit Ltd. reserves the right, at its sole discretion, to review, edit, remove, restrict access to, or refuse to publish any Submission submitted through the Website.

9. Disclaimer of Warranties

You access and use the Website and its Content at your own risk. The Website and the Content are provided on an “AS IS” and “AS AVAILABLE” basis, without any express or implied warranties of any kind, including, without limitation, warranties of merchantability, non-infringement, or fitness for a particular purpose, to the maximum extent permitted by applicable law.

The Website and its Content are provided solely for general informational purposes. A Remit Ltd. makes no representation, warranty, or guarantee regarding the accuracy, reliability, completeness, suitability, quality, or availability of the Website or the Content.

Furthermore, A Remit Ltd. does not warrant or guarantee that the Website will operate without interruption, delay, errors, defects, security vulnerabilities, or viruses, or that the Website will meet your specific requirements or expectations.

You assume full responsibility for any loss, damage, or harm to your computer system, device, software, or data resulting from your access to or use of the Website, to the maximum extent permitted by applicable law.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, A REMIT LTD. SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION:

  • Any direct, indirect, special, incidental, consequential, punitive, or exemplary damages arising out of or relating to your access to or use of the Website or the Content, including, without limitation, any loss of or damage to business, revenue, goodwill, reputation, or data, even if A Remit Ltd. has been advised of, or reasonably could have anticipated, the possibility of such damages, whether arising in contract, tort, negligence, or otherwise.
  • Any loss, damage, or expense arising from your reliance on the accuracy, completeness, suitability, or availability of the Content, or from any modification, suspension, interruption, or discontinuation of the Website or any Content by A Remit Ltd.

Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited under applicable Canadian federal or provincial laws, including applicable consumer protection legislation. Certain jurisdictions may not permit the exclusion or limitation of certain damages, including consequential or incidental damages; therefore, some of the above limitations may not apply to you.

The limitations and exclusions set out in this Section shall apply to the maximum extent permitted by applicable law, regardless of the form of action, whether based in contract, tort, negligence, strict liability, or any other legal theory.

11. Indemnity

You agree to indemnify, defend, and hold harmless A Remit Ltd., its subsidiaries, affiliates, shareholders, officers, directors, agents, employees, and representatives from and against any claims, demands, liabilities, damages, losses, expenses, or costs, including reasonable legal fees, brought by any third party arising out of or relating to:

  • your access to or use of the Website or its Content;
  • any content, information, or materials that you submit, post, transmit, or otherwise make available through the Website; or
  • any violation of these Terms by you.

This indemnification obligation shall survive the termination of your account with A Remit Ltd. or the termination of these Terms.

12. Copyright Infringement Complaints

You may not use the Website or its Content in any manner that infringes upon the intellectual property rights of any third party.

If you believe that any content available on the Website infringes your copyright, please submit a written complaint to info@aremit.co. Your complaint should include sufficient details to identify the allegedly infringing material, along with any relevant information supporting your claim of copyright ownership or authorization to act on behalf of the copyright owner.

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13. Trademarks

The trademarks, service marks, logos, and domain names (collectively, the “Marks”) appearing on the Website are either common-law trademarks, registered trademarks, or trademarks of A Remit Ltd. or its licensors. These Marks are protected under Canadian trademark laws and applicable international treaties.

References to third-party names, brands, products, or services on the Website do not imply any sponsorship, endorsement, approval, partnership, or affiliation with A Remit Ltd.

Nothing contained on the Website shall be interpreted as granting any licence, right, or permission to use any Marks displayed on the Website without the prior written consent of A Remit Ltd.

For questions regarding the use of our trademarks, please contact us at info@aremit.co.

14. Content Submitted by You

A Remit Ltd. values your communications and feedback. Except for information submitted solely for employment consideration with A Remit Ltd., which will be handled on a confidential, need-to-know basis, you acknowledge that any content you submit through the Online Mediums (excluding personal and account information protected under our Privacy Policy) may be treated as non-confidential.

You should exercise discretion at all times when sharing personally identifiable information or other sensitive information through online platforms.

By submitting content, you grant A Remit Ltd. a non-exclusive, worldwide, royalty-free licence to use, reproduce, modify, adapt, publish, and display such content for the purposes of operating, promoting, maintaining, and improving the Website and our services. A Remit Ltd. is not obligated to use any content you submit and reserves the right to remove or restrict access to such content at its sole discretion.

You represent and warrant that you own or otherwise have all necessary rights, licences, and permissions to submit any content you provide and that such submission does not violate or infringe upon the rights of any third party.

You agree not to upload, post, transmit, or otherwise make available through the Online Mediums any content that:

  • is misleading, harmful, threatening, abusive, harassing, defamatory, offensive, obscene, or otherwise objectionable;
  • contains viruses, malware, malicious code, or any technology designed to disrupt, damage, impair, or compromise the operation, security, or integrity of any computer software, hardware, network, or data;
  • discloses personal, confidential, or proprietary information without proper authorization; or
  • infringes any patent, trademark, trade secret, copyright, privacy right, or other legal right of any person or entity.

You further agree not to use the Website or Online Mediums to impersonate any person or entity, falsely represent your affiliation with any person or entity, send unsolicited bulk communications or spam, attempt to gain unauthorized access to any part of the Website or related systems, or interfere with the proper functioning, security, or availability of the Website.

15. Suspension and Termination

A Remit Ltd. may suspend, restrict, or terminate your access to the Website or any Online Medium at any time, with or without prior notice, where permitted by applicable law.

Such action may be taken, including but not limited to, circumstances where required to comply with applicable laws or regulatory obligations (including our obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)), where we suspect fraudulent, illegal, or unauthorized activity, where we identify a compliance or security risk, or where you have violated these Terms.

A Remit Ltd. shall not be liable to you or any third party for any suspension, restriction, or termination of access carried out in accordance with these Terms or applicable laws and regulations.

16. General

These Terms constitute the entire agreement between you and A Remit Ltd. regarding your access to and use of the Website and its Content and supersede all prior agreements, understandings, or communications relating to the same subject matter. Additional terms and conditions may apply to specific services, products, features, or Online Mediums offered by A Remit Ltd.

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Ontario for the resolution of any dispute, claim, or legal proceeding arising out of or relating to these Terms or your access to or use of the Website.

A Remit Ltd. reserves the right to revoke, restrict, or terminate your access to the Online Mediums and Content if you violate these Terms and may pursue any legal or equitable remedies available under applicable law.

If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be modified or limited to the minimum extent necessary to make it enforceable, and the remaining provisions of these Terms shall continue in full force and effect.

Contact Us

A Remit Ltd.
665 Fanshawe Park Rd W Ste 2, Unit 224
London, Ontario, N6G5B4
Canada

Email: info@aremit.co
Phone: +1 226-741-0725
Website: https://aremit.co