Terms of Service

Last updated: 1 June 2026

These Terms govern your use of the Express Remit app, website, and money-transfer and payment services provided by Express Remit Inc. By creating an account or using our services, you agree to these Terms.

• About us
• Eligibility
• Accounts & verification
• Using the services
• Fees & rates
• Transfers
• Cancellations & refunds
• Prohibited use
• Business & stablecoin services
• Liability
• Changes
• Governing law
• Contact

1. About us

Express Remit Inc. ("Express Remit", "we", "us") is registered as a money services business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), registration number C100000062, and as a payment service provider with the Bank of Canada under the Retail Payment Activities Act. Registration is not an endorsement and does not constitute a licence.

2. Eligibility

To use our services you must be at least the age of majority in your province or territory of residence, have legal capacity to enter into a contract, and reside in a jurisdiction where Express Remit is permitted to operate. We may decline to open or maintain an account at our discretion, including where required by law.

3. Accounts & verification

You must provide accurate, current, and complete information when you register and keep it up to date. As a regulated money services business, we are required to verify your identity and may ask for government-issued identification and other information before, during, or after you use the services.

• You are responsible for keeping your credentials and device secure.
• You must notify us promptly of any unauthorized access to your account.
• We may suspend or close an account where verification cannot be completed, or where required for legal or risk reasons.

4. Using the services

Express Remit lets eligible users send money to supported destinations and, for business clients, move funds across borders. You agree to use the services only for lawful purposes and only for transactions you are authorized to make. You confirm that the funds you send are your own (or that you are authorized to send them) and are not derived from unlawful activity.

5. Fees & exchange rates

Applicable fees and the exchange rate for a transfer are shown to you before you confirm. Exchange rates change with the market. The amount your recipient receives may be affected by intermediary institutions, payout method, and local regulations in the destination country.

6. Transfers

We begin processing a transfer once you confirm it and any required verification is complete. Delivery times vary by destination, payout method, currency, and verification, and are estimates rather than guarantees. We may place limits on transaction amounts and frequency.

7. Cancellations & refunds

You may be able to cancel a transfer before it has been paid out. Where a transfer cannot be completed — for example because of incorrect recipient details or regulatory restrictions — we will return the funds to you, less any third-party costs that have already been incurred where permitted by law. Contact us as soon as possible if you need to cancel or correct a transfer.

8. Prohibited use

You must not use the services to:

• break any applicable law, regulation, or sanctions program;
• launder money or finance terrorism or other criminal activity;
• send funds on behalf of an undisclosed third party;
• provide false, misleading, or stolen information; or
• interfere with, probe, or attempt to gain unauthorized access to our systems.

9. Business & stablecoin services

Our cross-border settlement and stablecoin-related services are intended for eligible business and institutional clients and are subject to additional onboarding and a separate services agreement. Digital assets such as stablecoins are not legal tender, are not deposit-insured, and their value can fluctuate. These services are not offered to residents of jurisdictions where they are restricted.

10. Limitation of liability

The services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Express Remit is not liable for indirect, incidental, or consequential losses, or for delays or failures caused by events beyond our reasonable control. Nothing in these Terms limits liability that cannot be limited under applicable law.

11. Changes to these Terms

We may update these Terms from time to time. We will post the updated version here and revise the "last updated" date. Your continued use of the services after a change takes effect means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules.

13. Contact

Questions about these Terms? Email us at hello@expressremit.ca.