Terms & Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," "your," or "Client") and Finglobe.io ("Company," "we," "us," "our," or "Finglobe"). By accessing and using the Finglobe.io website, registering for services, or entering into any financial transaction with us, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease using our services and website.

Finglobe.io is a registered Money Services Business (MSB) licensed by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). These Terms comply with applicable financial services regulations, including the Bank Act, provincial money services legislation, and anti-money laundering requirements.

2. Eligibility and Account Requirements

2.1 Age and Capacity

You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into binding contracts. If you are acting on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.

2.2 Account Registration

To use our services, you must complete account registration and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your login credentials and are liable for all activities conducted through your account. You must notify us immediately of any unauthorized access or use of your account.

2.3 Know Your Customer (KYC) and Anti-Money Laundering (AML)

As a regulated financial services provider, we are required to verify your identity and conduct KYC/AML checks. You agree to provide all requested documentation, including government-issued identification, proof of address, and beneficial ownership information. We reserve the right to suspend or terminate your account if you fail to provide required documentation or if we have reasonable grounds to suspect illegal activity.

3. Financial Services and Transactions

3.1 Services Provided

Finglobe.io provides the following financial services: corporate checking accounts, multi-currency card issuance, and regulated cryptocurrency buy/sell services. All services are subject to applicable laws, regulations, and our internal policies.

3.2 Transaction Authorization

By initiating a transaction, you authorize Finglobe.io to debit your account and process the transaction according to the instructions provided. You are responsible for verifying transaction details before submission. Once submitted, transactions cannot be reversed except as required by law or our policies.

3.3 Fees and Charges

We charge fees for our services as disclosed in our fee schedule, which is available on our website. Fees may include transaction fees, account maintenance fees, currency conversion fees, and regulatory compliance fees. We reserve the right to modify fees with 30 days' written notice. Continued use of our services constitutes acceptance of updated fees.

3.4 Currency and Exchange Rates

For multi-currency transactions, we apply current market exchange rates plus a markup. Exchange rates are subject to change without notice and are determined at the time of transaction processing. We are not responsible for fluctuations in exchange rates or market conditions.

4. Cryptocurrency Services

4.1 Risk Acknowledgment

Cryptocurrency is highly volatile and speculative. You acknowledge the significant risks associated with buying, selling, and holding digital assets, including the potential for total loss of funds. Finglobe.io is not responsible for losses resulting from market volatility, technical failures, or your trading decisions.

4.2 Regulatory Compliance

All cryptocurrency transactions are subject to FINTRAC reporting requirements and applicable anti-money laundering regulations. We may refuse or reverse transactions if we have reasonable grounds to suspect illegal activity or regulatory non-compliance.

4.3 Custody and Security

Digital assets held through Finglobe.io are stored in secure, segregated wallets. While we implement industry-standard security measures, we cannot guarantee absolute protection against hacking, theft, or technical failures. You assume all risks associated with digital asset custody.

5. Prohibited Activities

You agree not to use our services for any of the following prohibited activities:

• Money laundering, terrorist financing, or sanctions evasion
• Fraud, forgery, or misrepresentation
• Illegal gambling, drug trafficking, or other criminal activity
• Circumventing regulatory requirements or compliance controls
• Attempting to gain unauthorized access to our systems
• Harassing, threatening, or abusing our staff or other users
• Market manipulation or insider trading
• Any activity that violates applicable laws or regulations

6. Liability and Disclaimers

6.1 "As Is" Services

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the accuracy, completeness, or reliability of our services. We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement of intellectual property rights.

6.2 Limitation of Liability

To the maximum extent permitted by law, Finglobe.io shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including loss of profits, data, or business opportunity. Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

6.3 Technical Failures

We are not responsible for service interruptions, system failures, or delays caused by factors beyond our reasonable control, including internet outages, natural disasters, or third-party service provider failures.

7. Indemnification

You agree to indemnify, defend, and hold harmless Finglobe.io, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your breach of these Terms, your use of our services, or your violation of applicable laws.

8. Suspension and Termination

8.1 Termination by User

You may terminate your account at any time by providing written notice to us. Upon termination, we will return any remaining funds in your account, subject to applicable fees and regulatory requirements.

8.2 Suspension by Finglobe

We may suspend or terminate your account immediately without notice if we reasonably believe you have violated these Terms, engaged in illegal activity, or posed a risk to our operations or other users. We may also suspend your account for regulatory compliance or security reasons.

8.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. Provisions that survive termination include indemnification, limitation of liability, and dispute resolution.

9. Dispute Resolution and Arbitration

9.1 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve disputes informally by contacting our customer service team at [email protected].

9.2 Binding Arbitration

Any dispute arising from these Terms or our services shall be resolved through binding arbitration administered by a mutually agreed arbitrator in Toronto, Ontario, Canada. The arbitration shall be conducted in English and governed by Canadian law.

9.3 Governing Law

These Terms are governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to conflict of law principles.

10. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the exclusive property of Finglobe.io or our licensors. You may not reproduce, modify, distribute, or transmit any content without our prior written consent. Unauthorized use of our intellectual property is prohibited and may result in legal action.

11. Third-Party Links and Services

Our website may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of external sites. Your use of third-party services is governed by their terms and privacy policies. We do not endorse or warrant any third-party services.

12. Modifications to Terms

We may modify these Terms at any time by updating this page. Material changes will be communicated via email or prominent notice on our website. Your continued use of our services following notice of changes constitutes your acceptance of the updated Terms.

13. Regulatory Compliance

Finglobe.io operates under FINTRAC licensing and is subject to the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. We comply with all applicable financial services regulations, including reporting requirements and sanctions screening. You acknowledge that your use of our services may be subject to regulatory reporting and disclosure.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements you have entered into with us, constitute the entire agreement between you and Finglobe.io and supersede all prior negotiations, representations, and agreements.

15. Contact Information

For questions, concerns, or disputes regarding these Terms, please contact us: