Remitra Pay – Terms of Service

Remitra Pay is a digital financial platform that enables users to send money internationally and access wallet features. Remitra Pay is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) and complies with applicable anti-money laundering (AML) and counter-terrorist financing (CTF) regulations.

To use Remitra Pay, you must:

• Be at least 18 years old (or legal age in your jurisdiction)
• Have legal capacity to enter into binding agreements
• Provide accurate identity and banking information

We may refuse or restrict service at our discretion, including for regulatory or risk management reasons.

You must create an account to use the Services. You agree to:

• Keep your login credentials secure
• Provide truthful, accurate, and up-to-date information
• Notify us immediately of any unauthorized use

We reserve the right to suspend or terminate accounts for suspected fraud, misuse, or regulatory violations.

You may use Remitra Pay to send money to approved countries and recipients.

You may only use the Services on your own behalf and for your own transactions. You must not send, receive, transfer, or otherwise transact funds on behalf of, at the direction of, or for the benefit of any third party.

Transfers may be subject to:

• Transaction limits
• Verification of identity and payment source
• Compliance screening

Exchange rates and delivery timelines will be disclosed prior to transaction completion. You are responsible for ensuring recipient details are correct.

Remitra Pay may charge service fees, foreign exchange margins, and other applicable charges. These are disclosed clearly before you confirm each transaction. By using the Services, you consent to these charges.

You agree not to use the Services for:

• Illegal or fraudulent activities
• Transactions involving restricted goods/services
• Circumventing currency or sanctions laws

Violations may lead to account termination and reporting to authorities.

We are legally required to:

• Verify your identity (KYC)
• Monitor transactions
• Report suspicious activity

You agree to cooperate with these requirements. We may request additional information at any time.

We may set daily, monthly, or per-transaction limits based on risk, regulatory, or operational factors. These limits may change at our discretion.

If a transaction cannot be completed, we will issue a refund to your original payment method. If you believe an error occurred, contact us within 24 hours. We will investigate and resolve in accordance with applicable laws.

Your data is processed in accordance with our Privacy Policy. We use industry-standard security and may share your information with partners, regulators, or service providers to provide the Services.

All Remitra Pay trademarks, logos, and content are the property of Remitra Inc. or its licensors. You may not copy, modify, or use these materials without permission.

You may close your account at any time. We may suspend or terminate your account for any reason, including breach of these Terms or legal obligations.

Any disputes will be governed by the laws of Ontario, Canada and resolved through arbitration or court proceedings in that jurisdiction, unless otherwise required by law.

We may update these Terms from time to time. Changes will be effective upon posting in the app or on our website. Continued use of the Services after changes means you accept the revised Terms.

For questions, support, or complaints:

Remitra Inc. – Client Service Department
Email: support@remitrapay.com