Terms & Conditions

Terms & Conditions

By using any of the Services and the Website, You expressly agree to be bound by these terms and all applicable laws and regulations governing the Website and the Services. The terms form a legally binding agreement between you and oneremit.co in relation to your use of the Website and/or the Services and applies to all users of the Services, whether registered or not, on the Website.

Summary of Terms of Service

Oneremit is a platform where users can send payments globally. Oneremit simplifies international payments by handling cross-border transactions for individuals and businesses. Oneremit shall not be liable for the non-delivery or delivery of funds, and the user shall have no right to chargeback for such transactions. Being a passive platform, Oneremit disowns any responsibility or liability for any content pertaining to a username or third-party website. The user of the website is entirely at their own responsibility and risk.

1. Oneremit and its Affiliate

These Terms and Conditions (the "Agreement") govern your use of the services provided by Oneremit, a financial technology platform operated by Spark Tech Hub Ltd., a FINTRAC-registered Money Services Business (MSB Reg. No. C100000025) in Canada. By accessing or using the Oneremit website (www.oneremit.io), mobile application, or any associated services (collectively, the "Service"), you agree to comply with and be legally bound by this Agreement.

We may, at our sole discretion, modify or revise these Terms of Service, policies and price of services at any time by giving notice on our Website and/or through the Services, and you agree to be bound by such modifications or revisions. In the interest of clarity, it is stated that any free service can be converted into a paid subscription service at any given time. Although Oneremit may attempt to notify you when major changes are made to these Terms of Service, you should periodically click on our Terms of Service to review any updates. All changes shall be effective immediately when we post them and shall apply to all access to and use of our Website thereafter. Nothing in these Terms of Service shall be deemed to confer any third-party rights or benefits hereunder.

Oneremit may review and delete any user content that, in its sole judgment, violates these terms of use, applicable law, rule or regulation, is offensive or illegal, or violates the rights of, harms or threatens the safety of users of Oneremit. Oneremit reserves the right to expel users and prevent their further access to Oneremit for violating the terms of use or applicable law, rule or regulation and the right to remove content which is in violation of the terms of use, abusive, illegal or disruptive. The user hereby agrees that the website shall be in active mode during the performance of the service without any exceptions whatsoever.

You must be 18 years of age to use the Service. As used in this Agreement, “oneremit.co”, “we," “us,” and “our” shall mean Oneremit and its subsidiaries and affiliates. By accessing or using the services available through our Website (the “Services”), you agree to be bound by these Terms of Service. These Terms do not alter in any way the terms or conditions of any other agreement you may have with Oneremit, services or otherwise. If you are using the Services on behalf of any entity, you must provide documentation to show that you are authorized to do so.

1. Definitions

1.1. Users are hereinafter referred to as “You, Users.” As used in this Agreement, “oneremit.co ", "we," "us," and "our" shall mean Oneremit and its subsidiaries and affiliates. These Terms do not alter in any way the terms or conditions of any other agreement you may have with Oneremit for its services or otherwise.

1.2. Account shall mean the account created by the User on the Oneremit Platform.

1.3. User – any person who accesses the Website for whatever purpose, regardless of whether said User has registered with the Website as a Registered User. A User includes any person using this Website and any legal entity which may be represented by such person under actual or apparent authority.

1.4. Applicable Laws shall mean and include all applicable statutes, enactments, acts of legislature or parliament, provincial laws, ordinances, rules, by-laws, regulations, notifications, guidelines, policies, directions, directives and orders of any governmental authority, tribunal, or a court of Canada.

1.6. Representative is an entity and its Affiliate(s), any director, officer, employee, consultant, contractor, agent, and attorney associated with the Oneremit

1.7. Content means report text, web chat, graphics, emoji’s, images, music, software, audio, video, information or other materials.

1.8. Oneremit Content means all Content that Oneremit make available through the Website, Services, or its related promotional campaigns and official social media channels, including any Content licensed from a third party, but excluding User Content.

1.9. Collective Content means User Content and Oneremit’s Content.

2.0. End-Users or Customer(s) shall mean any person who, accesses, views the Oneremit Website and its Services.

2.1. Wallet means an online address operated by an Oneremit or User for storage of its Funds.

2.2. AML means Anti Money Laundering.

2.3. CTF means Combating the Financing of Terrorism. Content means reports, information, graphics, images, audio, video or other materials.

2.4. Representative means an entity and its Affiliate(s), any director, officer, employee, consultant, contractor, agent, distributors and attorney associated with the Oneremit.

2.5. Platform and Website(s) means “oneremit.co”

2.6. Applicable Laws shall mean and include all applicable statutes, enactments, or legislature, ordinances, rules, by-laws, regulations, notifications, guidelines, policies, directions, directives and orders of any governmental authority, tribunal, or a court of Canada.

2. Account Registration

2.1 By signing up to Oneremit services, you represent and warrant that:

2.1.1 You are at least eighteen (18) years of age, or the minimum age required in your jurisdiction of residence to have the necessary legal capacity, right, power and authority to accept these Terms;

2.1.2 You have the full right, power, and authority to agree to these Terms;

2.1.3 You are not a resident or a Tax resident of, and do not otherwise have any relevant connection with, any jurisdiction which Oneremit has notified as being subject to prohibitions or restrictions on accessing or using Oneremit;

2.1.4 You are the authorized User of your Enabled Device, and your Enabled Device is not jailbroken, meaning that you have not, nor are you aware of anyone having, used an exploit to remove manufacturer or carrier restrictions from the relevant device;

2.1.5 You are not currently registered as a user of Oneremit;

2.1.6 You are not impersonating any other person, operating under an alias or otherwise concealing your identity;

2.1.7 You are not located in, under the control of, or a national or resident of any internationally sanctioned countries,

2.1.8 You will not use our Services if any Applicable Laws in your country prohibit you from doing so in accordance with these Terms;

2.1.9 You are the sole ultimate beneficial owner of your account and not acting on behalf of or representing any other natural person, legal person or legal entity;

2.1.10 You are compliant with all Applicable Law requirements to which you are subject, including, without limitation, all tax laws and regulations, exchange control requirements and registration requirements.

2.2 By creating an account, you agree to: (i) provide accurate, current and complete account information; (ii) maintain the security of your password, by not sharing your password with any other person and accept all risks of unauthorized access to your Account; and (iii) promptly provide notice to Oneremit if you discover or otherwise suspect any security breaches related to the services. Oneremit shall not be liable for any damage or loss arising from your failure to comply with these Terms.

2.3 To access any Services, you must complete KYC requirements by following the identity verification process specified in the AML Policy. Failure to complete the KYC process as per the AML/KYC Policy will entitle the Company to terminate the said User Account immediately. Oneremit uses a third-party verification service, "AiPrise” to provide ID and customer verification services. By using the service, you agree to provide the information requested to AiPrise to use in any way necessary to conduct a review and determine, authenticate, and verify your identity and share that with Oneremit. Oneremit uses the verification as a means to determine your identity and match it with your payment option of choice.

2.4 We allow you to open only one Account in association with the registration data provided by you.

2.5 You agree and accept that all of the Information (including, without limitation, Identification Documents submitted by you) you provide to Oneremit when setting up your user account and at any other time shall be true, correct, complete and accurate in all respects.

3. Use of Service

3.1 You will not prepare the replica of our product and or use, copy, adapt, modify, decompile, reverse engineer, disassemble, decrypt, attempt to derive the source code, prepare derivative works based upon, distribute, license, sell, rent, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the product and Content, except as expressly permitted by Oneremit or as permitted under applicable law. Any unauthorized use of the Services is strictly prohibited and will terminate the license granted in these Terms. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you.

3.2 Oneremit will not be liable for any inaccuracy of information on the Website. It is the responsibility of the visitor to further research the information on the Website. The User undertakes not to duplicate, download, publish, modify or distribute the material on Oneremit unless specifically authorized by Oneremit in this regard.

4. Uploading Funds

4.1 You are authorized to deposit supported currencies into your Oneremit Account for various reasons: (i) currency conversion, (ii) transferring funds to another person or your own account, or (iii) maintaining a balance for future use. The supported currencies for these transactions are listed on our Website.

4.2 You can transfer funds using one or several methods, such as a pre-authorized direct debit via electronic funds transfer (“EFT”) or a wire transfer from your bank account, along with other methods the company may introduce. The availability of these options depends on various factors, including your verification status with us.

Please be aware that upload methods are not part of our Services; they are provided by third-party services. We do not guarantee that any particular upload method will be available and reserve the right to change or stop any method at our discretion, without prior notice.

4.3 Your Oneremit Account will be credited once we have received your funds, and we are not liable for the uploaded funds until receipt. For certain upload methods, funds will be credited to your Oneremit Account promptly, subject to our right of reversal. This entails that if the actual amount you intended to upload does not reach us within a reasonable timeframe, we retain the right to deduct such amount from your Oneremit Account. Please refer to "Reversals and Chargebacks" for further details. Should your Oneremit Account lack sufficient funds for this purpose, we reserve the right to seek repayment through alternative methods. Kindly consult "Negative Account Balances" for additional information.

4.4 You acknowledge that the funds received in your Oneremit Account via this method may be subject to Reversal or Chargeback, and you agree that we reserve the right to deduct the received amount from your Oneremit Account if it is reversed by the payer or any relevant payment service provider. In the event of cancellation or refusal of the transaction for any reason, we will promptly return the deposit to the originating bank account. For further details, please refer to the Negative Account Balances section. Should we be unable to return the deposit, we will contact you using the most current contact information provided at the time of your registration for the Oneremit Account.

5. Holding A Balance in your Oneremit Wallet

5.1 Oneremit is not a banking institution, and your Oneremit Wallet does not constitute a bank account.

5.2 Funds held with Oneremit, regardless of currency, are not protected by any deposit insurance scheme in Nigeria or Canada, including the Canada Deposit Insurance Corporation (CDIC), and constitute an unsecured claim against Oneremit. Oneremit retains ownership of any interest or earnings derived from these investments. The company does not utilize customer-held balances for operational costs or other corporate purposes.

5.3 The availability of payout methods will depend on various factors, including your verification status with us. We do not guarantee the use of any specific payout method and reserve the right to modify or cease offering certain methods at any time without prior notice. However, we will ensure that you have access to at least one payout method unless legally prohibited.

6. Restrictions on the Withdrawal and Transfer of Funds.

6.1 You acknowledge that your Oneremit Account is subject to withdrawal and transfer limits. If your withdrawal request exceeds the applicable limit, we reserve the right to decline your request or to impose additional verification procedures, obligations, or time constraints before permitting the withdrawal of funds.

7. Delay in Withdrawing or Sending Money

7.1 We cannot control how long it takes for your or the recipient’s bank or payment provider to credit and make funds available after we release them to the bank or payment provider.

8. Currency Conversion

8.1 Our Services include the ability to convert currencies, for example:

-You may deposit funds in one currency and utilize these funds to transfer money to a third party in a different currency.

-You are permitted to deposit funds in one currency and subsequently withdraw them in a different currency; or

-You can convert a currency in your Oneremit Account to a different currency or Jar to hold within your account.

8.2 A fixed conversion fee may be applicable when a currency conversion is performed. We shall process your currency conversion request solely upon confirmation that we hold or have received the pertinent funds and associated fees in your Oneremit Account. It is your responsibility to ensure the timely transfer of funds necessary to fund a currency conversion. We cannot be held accountable for any delays in the transfer of funds by your bank or payment service provider.

8.3 Refusing a currency conversion request is at our sole discretion. We may decline any order for reasons such as incorrect recipient details, insufficient funds, or suspected violations of this Customer Agreement, including engaging in unauthorized currency or other trading activities. We will try to inform you of any refusals through your Oneremit Account contact details, providing reasons and guidance to fix errors whenever possible. However, we are not obligated to notify you if doing so would be illegal.

8.4 Upon receipt of your currency conversion order, we will send you a confirmation via email or SMS indicating that we have received it. Each currency conversion order is assigned a unique transaction number, which is accessible in the transaction history within your Oneremit Account. Please quote this transaction number when corresponding with us regarding a specific currency conversion order.

9. Exchange rate used to convert currency

We will inform you of the exchange rate.

- when you place your currency conversion order, whether it is a guaranteed rate currency conversion order or not; or

- once we have received your payment, regarding a non-guaranteed rate currency conversion order.

10. Delay in Conversion

11. Cancellation of your Order

11.1 You may cancel your currency conversion order at any time prior to the execution of the transaction, thereby qualifying for a full refund in accordance with your instructions. However, frequent cancellations may lead to restrictions on your use of the Services.

11.2 You bear the responsibility for providing accurate instructions. Once payment instructions have been executed by Oneremit, transactions become irrevocable, and we shall not be held liable for any losses incurred as a result of transactions processed in accordance with your directives. For clarity, it is expressly stated that once funds have been transferred to the recipient’s bank account, cancellation and refund requests will no longer be possible.

12. Reversal and Chargebacks

12.1 You shall bear responsibility for all reversals, chargebacks, claims, fees, fines, penalties, and other liabilities incurred by Oneremit that are caused by or arise from your breach of this Customer Agreement and/or your use of the Services. You agree to indemnify and reimburse Oneremit for any such liabilities. In the event of a transaction reversal, Oneremit will execute a refund or reversal from your Oneremit Account in the same currency as the original transaction. If your Oneremit Account, including funds held within the wallet or account for a specific currency, is insufficient to cover the amount of a refund or reversal, Oneremit shall perform a currency conversion to facilitate the refund or reversal, subject to the applicable exchange rate offered by Oneremit for the relevant currencies time.

12.2 Oneremit reserves the right to invalidate and reverse payments made to you if:

- Our investigation into a bank reversal concludes that the transaction was fraudulent.

- Oneremit sent the payment to you in error.

- The payment was neither authorized nor validly processed by the sending bank.

- You have received the payment for activities that contravene this Customer

- Agreement, the Acceptable Use Policy, or any other agreement between you and Oneremit.

- Oneremit has a claim against you for the funds.

Upon receipt of a payment, you are liable to Oneremit for the entire amount transferred to you, including any applicable fees, should the payment subsequently be rendered invalid for any reason.

13. Negative Account Balances

In the event that your Oneremit Account balance becomes negative for any reason, including due to reversal or chargeback, such negative balance shall constitute an amount owed to Oneremit, and you agree to settle this negative balance immediately without any prior notice from us. Oneremit reserves the right to deduct owed amounts from funds uploaded or received into your Oneremit Account. If your account manages balances in multiple currencies and the balance in one of these currencies becomes negative, Oneremit may offset the negative balance by applying the value maintained in a different currency. This process will involve currency conversion, subject to the exchange rate provided by Oneremit at that time.

Additionally, we may issue reminders or take other reasonable actions to recover the negative balance from you, including employing debt collection services or pursuing legal remedies. To recover negative balances, we may convert the owed amount into Canadian dollars or any other authorized currency.

14. Error and Unauthorized Transactions

14.1 To safeguard against errors and unauthorized activities, it is recommended that you regularly log into your Oneremit Account and review your account statement. Oneremit shall notify you of each transaction via email sent to your primary email address on record. It is advisable to review these transaction notifications to verify that each transaction has been authorized and accurately processed.

14.2 Oneremit shall safeguard your Oneremit Account against unauthorized activities and errors. In circumstances where this protection is applicable, Oneremit will compensate you for the full amount of the unauthorized activity, provided that you cooperate with us and adhere to the procedures outlined in this section.

14.3 We shall rectify any errors that we discover. If the error results in:

-If you receive an amount less than the correct entitlement, we will credit your Oneremit Account with the difference between the amount you should have received and the amount you actually received.

-If you receive an amount exceeding the correct entitlement, we will debit your Oneremit Account for the difference between the actual amount received and the appropriate amount.

15. Currency Conversion Errors

15.1 Regarding currency conversion orders, the following are identified as Errors.

-You paid an incorrect amount for your currency conversion order.

-Oneremit committed a computational error, such as an incorrect calculation of the amount received by the recipient.

-The amount specified in the currency conversion order receipt provided to the sender was not accessible to the recipient unless the issue was due to extraordinary circumstances beyond our control; and

15.2 Funds were provided to the recipient subsequently to the stated date of availability as disclosed on the currency conversion order receipt, or were not delivered, unless such delay was due to extraordinary circumstances beyond our control (such as actions by third parties) which could not reasonably have been anticipated, or if delays resulted from fraud screenings, or due to requirements mandated by FINTRAC or similar regulations, or if the transfer was executed with fraudulent intent.

15.3 If you believe that an Error of the type described above has occurred, and you are required to contact us in accordance with the information provided above, we will investigate and determine whether an error occurred within 90 days (although our typical response time is within ten (10) business days) after you contact us. We will inform you of our decision within three (3) Business Days following thencompletion of our investigation.

16. Account Balance Discrepancies and Unauthorized Transactions

16.1 With regard to your Oneremit Account balance, the following are considered errors.

-When funds are either incorrectly withdrawn from your Oneremit Account or improperly credited to your Oneremit Account, or when a transaction is inaccurately recorded in your Oneremit Account.

-You transfer funds to a third party or withdraw funds, and an incorrect amount is debited from your Oneremit Account.

-An incorrect amount has been credited to your Oneremit Account.

16.2 A transfer to or from your Oneremit Account is either absent or inadequately identified within your Oneremit Account statement; and If you believe that an error of the type described in this section has occurred, and you duly contact us in accordance with the information provided above, we will investigate and determine whether an error has occurred within ten (10) Business Days after we hear from you, and we will correct any error promptly. If additional time is required, however, we may take up to forty-five (45) days to investigate your complaint or inquiry, and under certain circumstances, we may credit your Oneremit Account for the amount you believe is in error until our investigation is complete. For new Oneremit Accounts, we may take up to twenty (20) Business Days to credit your account for the disputed amount. We will notify you of the results within three (3) Business Days after completing our investigation. Should we determine that no error has occurred, we will provide you with a written explanation. You may request copies of the documents used in our investigation.

16.3 What constitutes an Unauthorized Transaction?

An Unauthorized Transaction occurs when funds are transferred from your Oneremit Account without your authorization and without your benefit. For instance, if an individual steals your password, gains access to your Oneremit Account, and initiates a payment from it, such an action constitutes an Unauthorized Transaction.

16.4 The following are not considered Unauthorized Transactions:

- If you grant access to your Oneremit Account by providing your login credentials to another individual, and that individual uses your account without your knowledge or permission, you will be held responsible for any transactions conducted in this scenario.

- In the event of invalidation and reversal of a payment due to the actions described under Reversals and Chargebacks.

If you suspect that your Oneremit login information has been lost or stolen, please contact us via email through our Help Centre.

Please inform us immediately if you suspect that your Oneremit login credentials have been lost or stolen, or if you believe unauthorized transactions have been conducted in your Oneremit Account using your login information. Such incidents could result in the complete depletion of funds from your Oneremit Account. Should you notify us within 60 days following the issuance of your Oneremit Account statement indicating transfers you did not authorize, you will be entitled to full protection against Unauthorized Transactions.

Furthermore, if your Oneremit Account statement displays transfers that you did not authorize, including those conducted with your Oneremit login credentials or through other means, please inform us immediately. Failure to notify us within sixty days of receiving the statement may result in forfeiture of any recovery rights for funds lost after this period, provided we can demonstrate that we could have prevented the unauthorized transaction if notified in a timely manner. Should a valid reason, such as an extended trip or hospitalization, prevent you from reporting the issue within the stipulated timeframe, we will consider extending these deadlines.

16.5 Every transaction conducted through Oneremit will be assigned a unique transaction identifier (TXID or reference number). This identifier will serve as the primary reference for resolving disputes, tracking payments, and verifying transaction status. Users are responsible for retaining their transaction identifier for any future inquiries or issues related to the transaction

17. Representations and Warranties of Users

NEITHER ONEREMIT, NOR ITS PARENTS, AFFILIATES OR LICENSORS, INCLUDING THEIR RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS, AGENTS, INVESTORS, SUBSIDIARIES, ATTORNEYS, REPRESENTATIVES, INSURERS, EMPLOYEES, SUCCESSORS AND ASSIGNS (COLLECTIVELY REFERRED TO AS “AFFILIATES”) IS RESPONSIBLE OR LIABLE FOR THE CONDUCT, ACTS, OR OMISSIONS, WHETHER ONLINE OR OFFLINE, OF ANY USER OF THE ONEREMIT PLATFORM AND, TO THE EXTENT PERMITTED BY LAW, YOU HEREBY RELEASE ONEREMIT AND AFFILIATES FROM ANY AND ALL LIABILITY, CLAIMS, DEMANDS, OR DAMAGES OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE ONEREMIT PLATFORM.

17.1. Alter, remove or obscure any copyright notice, digital watermark, proprietary legend or any other notice included in materials in the Service

17.2. Use any of the trademarks, trade names, service marks, copyrights or logos of Oneremit in any manner that creates the impression such items belong to or are associated with you or are used with Oneremit consent.

17.3. Use any software, device or any other process to “scrape” or download data from the Website.

17.4. Either obtain or attempt to obtain through any means any materials or information on the Service that have not been intentionally made publicly available either by public display on the Service or through accessibility by a visible link on the Service.

17.5. Interfere with or attempt to interfere with or otherwise disrupt the proper working of the Service, any activities conducted on or through the Service or any servers or networks connected to the Service.

17.6. Violate the security of the Service or attempt to gain unauthorized access to the Service, data, materials, information, computer systems or networks connected to any server associated with the Service, through hacking or any other means.

17.7. Either take or attempt any action that, in the sole discretion of Oneremit, imposes or may impose an unreasonable burden on the Service or the infrastructure of the Service, or otherwise abuse the Service.

17.8. Use or permit the Service to be used to perform services for third parties, including as a service bureau, SaaS, time sharing basis or otherwise.

17.9. Distribute, sell, license or otherwise provide the Service to third parties.

17.10. Create programs similar or identical to Oneremit.

17.11. Disclose the results of any performance or functional evaluation of the Service, including benchmark results or competitive analyses.

17.12. Contain fraudulent information or make fraudulent offers of items or involve the sale or attempted sale of counterfeit or stolen items or items whose sales and/or marketing is prohibited by applicable law, or otherwise promote other illegal activities;

17.13. Be part of a scheme to defraud other Users of the Website or for any other unlawful purpose;

17.14. Relate to the sale of products or services that infringe or otherwise abet or encourage the infringement or violation of any Third Party Rights;

17.15. Violate any applicable law, statute, ordinance or regulation (including, without limitation those governing export control, consumer protection, unfair competition, anti–discrimination or false advertising); and be defamatory, libellous, unlawfully threatening or unlawfully harassing;

Users additionally represent and warrant that:

For any of the following purposes, the list is illustrative, not exhaustive; the Oneremit platform may not be used:

17.16. To impersonate another person or a User or allow any other person or entity to use your user profile to post or view comments;

17.17. To publish, post, upload, distribute or disseminate any profane, illegal, defamatory, infringing, obscene or unlawful language, material or information;

17.18. To defame, abuse, harass, stalk, threaten, intimidate, misrepresent, mislead or otherwise violate the rights (such as, but not limited to, rights of privacy, confidentiality, reputation, and publicity) of others, including Users and Oneremit staff;

17.19. To upload files that contain software or other material that violates the intellectual property rights (or rights of privacy or publicity) of any User, third party, or Oneremit;

17.20. To constitute any personally identifiable information of any third party that you do not have adequate rights to input, distribute, upload, post, email, transmit or otherwise make available via the Service;

17.21. To advertise or offer to sell any goods or services for any commercial purpose through the Oneremit Platform which are not relevant to the Service Request services; and

17.22. To infringe any Intellectual Property Rights of Oneremit or any third party.

18. Third Party Websites and Services

18.1 Any and all contents and services (including advertising) within Oneremit that are not owned by Oneremit are “third-party content and services.” Oneremit acts merely as an intermediary service provider, and accepts no responsibility or liability for third-party Content and services.

19. License to Use

Except as otherwise agreed upon, we hereby grant you a limited, non-exclusive, non-sub-licensable license to access, and use the platform. You will not use, copy, adapt, modify, decompile, reverse engineer, disassemble, decrypt, attempt to derive the source code, prepare derivative works based upon, distribute, license, sell, rent, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the platform and content, except as expressly permitted by Oneremit or as permitted under applicable law. Any unauthorized use of the services is strictly prohibited and will terminate the license granted in these terms. No licenses or rights are granted to you by implication or otherwise, except for the license and rights expressly granted to you.

Oneremit will not be liable on account of any inaccuracy of information on its website. It is the responsibility of the visitor to further research the information on the website. The user undertakes not to duplicate, download, publish, modify and distribute material on Oneremit unless specifically authorized by Oneremit in this regard.

In no event shall we, our affiliates or our partners be liable (directly or indirectly) for any losses or damage whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to your conductor of anyone else in connection with the use of the service, including, without limitation, death, bodily injury, emotional distress, and/or any other damages resulting from communications or meetings with other users or persons you meet through the service.

20. Ownership and Intellectual Property

20.1 The Website and all worldwide copyrights, trade secrets, and other intellectual property rights therein are the exclusive property of Oneremit and its licensors. Oneremit and its licensors reserve all rights in and to the Website not expressly granted to you herein. There are no implied licenses herein. All suggestions or feedback provided by you to Oneremit with respect to the Website shall be Oneremit’s property. Oneremit may use, copy, modify, publish, or redistribute the submission and its contents for any purpose and in any way without any compensation to you.

20.2 This Website, and all other content forming part of the Website, including without limitation, all photographs, ideas, images, designs, Information, interfaces, graphics, brand names, logos and trademarks, are protected by copyright, trademark and other intellectual property laws of Canada and the United States.

20.3 You acknowledge and agree that Oneremit owns, controls, or is licensed all legal rights, titles and interests in and related to the Website, including all intellectual property rights.

20.4 If you believe that anything on or available through the Services infringes upon any copyright which you own or control, you may contact us from our Help Centre Page.

20.5 You acknowledge that all intellectual property rights, including, without limitation, copyrights, patents, trademarks, and trade secrets, in the Services (i.e., the Sites, Web Apps, and Mobile Apps) are owned by Oneremit or its affiliates or our licensors. Your possession, access, and use of the Website, and Services do not transfer to you or any third party any rights, title, or interest in or to such intellectual property rights. Oneremit and it’s affiliates and licensors, and suppliers reserve all rights not granted in these Terms. The Services are licensed to you, not sold, under these Terms. Subject always to your continuing compliance with these Terms, Oneremit grants to you a limited, non-transferable, non-exclusive license.

20.6 You may not use the content of the Services in any other public or commercial way, nor may you copy or incorporate any of the Content of the Services into any other work, including your own Website, without the written consent of Oneremit . You must have a license from us before you can post or redistribute any portion of the Services.

21. Risk Disclosure

21.1. You may sustain a total loss of the funds in your Oneremit account, and, in some cases, you may incur losses beyond such funds.

21.2. Under certain market conditions, you may find it difficult or impossible to liquidate a position. Internet transmission risks. You acknowledge that there are risks associated with utilizing an Internet-based trading system including, but not limited to, the failure of hardware, software, and Internet connections. You acknowledge that Oneremit shall not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when trading via the Services, however caused.

22. Confidentiality

The term “confidential information” shall mean any and all of Oneremit’s trade secrets, confidential and proprietary information, and all other information and data of Oneremit that is not generally known to the public or other third parties who could derive value, economic or otherwise, from its use or disclosure. Confidential information shall be deemed to include technical data, know-how, research, product plans, products, services, customers, markets, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration information, marketing, finances, strategic and other proprietary materials and confidential information relating to Oneremit or Oneremit business, operations or properties, including information about Oneremit staff, users or partners, or other business information disclosed or obtained directly or indirectly in writing, orally or by drawing or observations.

The user acknowledges that pursuant to this agreement, the user will have access to confidential information of Oneremit and its affiliates. The user undertakes to keep all data confidential and other confidential information of Oneremit and shall not sell or otherwise make that information available to any third party. Confidential information shall mean and include all information, whether verbal or written, disclosed to the user by Oneremit but not be limited to website users details (i.e., personal information and sensitive personal information as defined under the PIPEDA phone numbers, market information, all work products and documents related thereto, the contents of the website/portal or any other information, whether provided orally or in writing, received or to be reviewed by the user. Further, the confidential information at no time can be disclosed to any party in the same or similar business as that of Oneremit (“Competitor”). In the event, Oneremit becomes aware that the confidential information has been disclosed to a competitor or has been used for the benefit/interest of the competitor, Oneremit can claim such direct and indirect damages as it may suffer due to such losses.

23. Indemnification

The user agrees and undertake to indemnify and to hold harmless Oneremit and other parties determined by Oneremit, Oneremit affiliates, successors, agents, assigns, and each of their directors, officers, employees, associates, agents and representatives from and against any data loss, financial losses, damages, liability, claims, costs, penalty and expenses (including, without limitation, reasonable attorneys’ fees) incurred by reason of (i) any breach or alleged breach by the user of the users obligations, responsibilities, representations, or warranties under the subscription agreement and/or user T&C; (ii) any infringement or unauthorized use of intellectual property rights of Oneremit including but not limited to infringement of intellectual property rights of Oneremit in the website (iii) any breach of confidentiality obligations of the user under the agreement or user T&C; (iv) any violation of Oneremit policies by the user; (v) any harm to the reputation and goodwill of Oneremit directly attributable to the user; and (vi) damage, unauthorized use or loss of the website.

24. Electronic Communications

When you send an email or chat electronically with Oneremit, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email, phone calls or sms text messages. You agree that all agreements, notices, disclosures and other communications that Oneremit provides you electronically satisfy legal requirements that such communications be in writing.

25. Reliance on Information Posted

25.1 The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this Information. Any reliance you place on such information is strictly at your own risk and responsibility. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

26. Limitation of Liability

26.1 Oneremit is not liable for any of your losses caused by any of the following events, including but not limited to:

26.1.1 loss of sales, profits, business, business opportunity or revenue;

26.1.2 loss of anticipated savings;

26.1.3 loss of business opportunity, goodwill or reputation;

26.1.4 Use or failure to use Oneremit or Services

26.1.5 Unauthorized use of your Account or unauthorized alteration of your data by third parties

26.1.6 Your misunderstanding of Oneremit or Services

26.1.7 Any other losses related to Oneremit or Services which are not directly attributable to the Company

26.1.8 Customers are solely responsible for ensuring the legitimacy of the funds they transfer to us. If any funds sent to us are under investigation, suspected to be stolen, or linked to illegal activities, and such funds are subsequently held, frozen, or seized by our liquidity provider or any third party, we shall bear no responsibility for any losses, delays, or inability to recover the funds.

26.2 IN NO EVENT SHALL ONEREMIT, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT DISPLAYED ON THE DEVICE, (II) PERSONAL INJURY OR PROPERTY DAMAGE(INCLUDING YOUR SMARTPHONE), OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR PRODUCT AND SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND, IN EACH CASE WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ONEREMIT IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU SPECIFICALLY ACKNOWLEDGE THAT ONEREMIT SHALL NOT BE LIABLE FOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW, THEREBY MINIMIZING OUR LIABILITY TO YOU TO THE LOWEST AMOUNT PERMITTED BY APPLICABLE LAW. THE SERVICES ARE CONTROLLED AND OFFERED BY ONEREMIT FROM ITS FACILITIES IN CANADA AND IN THE UNITED STATES. ONEREMIT MAKES NO REPRESENTATIONS THAT THE SERVICES ARE APPROPRIATE OR AVAILABLE FOR USE IN OTHER LOCATIONS. THOSE WHO ACCESS OR USE THE SERVICES FROM OTHER JURISDICTIONS DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.

16.3 ONEREMIT AND OUR LICENSORS AND SUPPLIERS MAKE NO WARRANTY THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICES: (I) WILL MEET YOUR REQUIREMENTS; (II) WILL BE COMPATIBLE WITH YOUR NETWORK, COMPUTER OR MOBILE DEVICE; (III) WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; OR (IV) WILL BE ACCURATE OR RELIABLE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ONEREMIT OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY.

16.4 YOU UNDERSTAND AND AGREE THAT THIS LIMITATION OF LIABILITY SHALL APPLY EVEN IF ONEREMIT IS FOUND LIABLE FOR ANY LOSS OR DAMAGE DUE TO BREACH OF CONTRACT, BREACH OF EXPRESS OR IMPLIED OR LIMITED WARRANTY, NEGLIGENCE OF ANY KIND OR DEGREE, STRICT PRODUCT LIABILITY, SUBROGATION, INDEMNIFICATION OR CONTRIBUTION, OR ANY OTHER THEORY OF LIABILITY. HOWEVER, THIS LIMITATION OF LIABILITY SHALL NOT APPLY TO ANY WILLFUL, WANTON, INTENTIONAL OR RECKLESS MISCONDUCT OF ONEREMIT.

27. Warranties

27.1 YOUR USE OF OUR WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER ONEREMIT NOR ANY PERSON ASSOCIATED WITH ONEREMIT MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WE SHALL NOT BE LIABLE TO YOU FOR ANY LOSS SUFFERED IN RELATION TO YOUR USE OR INABILITY TO USE THE WEBSITE WITHOUT LIMITING THE FOREGOING, NEITHER THE ONEREMIT NOR ANYONE ASSOCIATED WITH ONEREMIT REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

27.2 WE MAKE EVERY EFFORT TO VERIFY STATEMENTS AND INFORMATION SUBMITTED BY THE THIRD PARTIES AND OUR MEMBERS, THE INFORMATION COMPILED BY US IS BASED ON INFORMATION SUPPLIED BY VARIOUS INDIVIDUALS AND BUSINESSES, IT DOES NOT REPRESENT THE VIEWS OF ONEREMIT. AND ONEREMIT CANNOT BE HELD RESPONSIBLE FOR ANY OMISSIONS OR INACCURATE CLAIMS THAT MAY APPEAR.

27.3 THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

28. Entire Agreement/Severability

28.1 These Terms of Service incorporate our Privacy Policy which together constitutes the entire Agreement between You and Oneremit, in relation to Your use of the Website and/or the Services and supersedes any prior representations, inducements, or agreements relating to its subject matter. You agree that these Terms of Service are not intended to confer and do not confer any rights or remedies upon any third party. If any part of these Terms of Service are held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect. These Terms of Service, including all terms and policies referenced herein, contain the entire understanding, and supersede all prior agreements, between you and Oneremit relating to this subject matter, and cannot be changed or terminated orally.

29. Assignment

29.1 You may not assign these Terms or any of the rights granted hereunder without the prior written consent of Oneremit, and any attempted assignment without such consent shall be void. Subject to the foregoing restriction, these Terms will be fully binding upon, inure to the benefit of, and be enforceable by us and our respective successors and assigns.

30. Non-waiver

30.1 Failure by either Oneremit or You to exercise or enforce any right conferred shall not be deemed to be a waiver of any such right nor operate so as to bar that exercise or enforcement thereof or of any other right on any later occasion.

31. Force Majeure

31.1 Failure by either Oneremit or You to exercise or enforce any right conferred shall not be deemed to be a waiver of any such right nor operate so as to bar that exercise or enforcement thereof or of any other right on any later occasion.

32. Governing Law

32.1 Governing Law and Arbitration: You hereby agree that all actions brought in respect of this Agreement, or any Services delivered pursuant to this Agreement, shall be brought before Toronto, and the parties hereby acknowledge the exclusive jurisdiction of the Competent Courts of Ontario.

32.1.1 Arbitration Procedures: Oneremit may decide to resolve the dispute via Arbitration and any such dispute relating to the application, interpretation, implementation or validity of this Agreement. The Parties agree to resolve the dispute by Arbitration at ADR Chambers using the ADR Chambers Expedited Arbitration Rules (https://adrchambers.com/expedited-arbitration/). The Parties agree that the ADR Chambers Expedited Arbitration Rules give the Parties a fair opportunity to present their case and respond to the case of the other side. Judgement upon the award rendered by the arbitrator may be entered in any court having jurisdiction. There will be no appeal from the decision of the arbitrator on questions of fact, law, or mixed fact and law.

32.1.2 Discovery. Each party may (a) request relevant, non-privileged documents from the other party; and (b) request that the other party provide the particulars of its claims or defences. Any such discovery requests must be served on the other party within 10 days after the arbitrator’s appointment. The responding party shall provide the requesting party with all responsive, non-privileged documents, the requested particulars, and/or any objections to the requests within 15 days after receipt of the requests. Any disputes about discovery or requests for extensions shall be submitted promptly to the arbitrator for prompt resolution. In ruling on any discovery dispute or extension request, the arbitrator shall take into consideration the nature, amount, and scope of the underlying arbitration claim, the cost and other effort that would be involved in providing the requested discovery, the case schedule, and whether the requested discovery is necessary for the adequate preparation of a claim or defence.

32.1.3 Communications with the Arbitrator. Whenever communicating with the arbitrator, the parties must include each other – for example, by including the other party on a telephone conference call and copying the other party on any written submissions, such as letters or e-mails. To the extent practicable, conferences with the arbitrator will take place by telephone conference call or e-mail. Ex-prate communications are not permitted with any arbitrator.

32.1.4 Confidentiality. Upon either party’s request, the arbitrator will issue an order requiring that confidential Information of either party disclosed during the Arbitration (whether in documents or orally) may not be used or disclosed except in connection with the Arbitration or a proceeding to enforce the arbitration award and that any permitted filing of confidential Information must be done under seal.

33. Oneremit SMS Terms and Conditions

Introduction

By joining our SMS program provided by Oneremit you agree to receive recurring text messages (notifications, updates, and reminders) on the number you provide, under these Terms that adhere to TCPA (2025) and CTIA Best Practices.

Opt-In Consent

In accordance with the 2025 TCPA guidelines, your participation in our SMS service requires explicit one-to-one consent. This means that by opting in, you consent to receive messages from Oneremit only. Consent cannot be shared with other companies or third-party entities without your direct approval.

To join our SMS program, you may opt in through the following methods, compliance with the 2025 CTIA Guidelines:

• Provide consent by checking a clearly labeled checkbox explicitly stating SMS program enrollment during the opt-in process.
• Offer verbal consent by clearly agreeing to SMS participation after being read a compliant SMS consent disclosure.
• Sign or complete a paper intake form that includes a dedicated section with clear language outlining SMS consent.

Message Frequency

You will receive no more than 3-5, unless for urgent notifications. Standard carrier rates apply.

Opt-Out Process

Reply “STOP” any time to end messages; “HELP” to receive support instructions; or contact our Help Centre.

Terms of Consent

Your consent is voluntary and not a condition of purchase. You may receive informational messages as described at opt-in.

Privacy Policy

Your mobile number and interaction data are governed by our Privacy Policy https://oneremit.co/privacy-policy . Data is used solely for SMS delivery purposes.

Message & Data Rates

Standard rates may apply per your carrier plan. Oneremit is not liable for carrier charges.

Record-Keeping & Compliance

We maintain detailed logs of opt-ins/opt-outs (dates, times, methods) to satisfy TCPA 2025 proof-of-consent requirements.

Changes to Terms

We reserve the right to update these Terms. Significant changes will be sent via SMS or posted online. Continued participation implies acceptance.

Disclaimers & Liability

Message delivery depends on carrier networks; we cannot guarantee uninterrupted service or delivery times.