1Who we are and what these terms cover
Rem International Payments Inc., doing business as REMPIC (“REMPIC”, “we”, “us”), operates rempic.com and its official subdomains, the REMPIC web application and the REMPIC mobile applications (together, the “Platform”). These Terms apply across all three channels. A reference to “you” means the visitor, individual account holder or business customer, as applicable.
REMPIC is registered as a money services business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) and as a payment service provider with the Bank of Canada under the Retail Payment Activities Act (RPAA). Registration is not a regulatory endorsement, a banking licence or a guarantee of funds or transactions. A REMPIC payment account is not a bank deposit account.
2Website visitors and customer agreements
Visitors may browse the public website and contact us without opening an account. Website information is general and does not itself open an account, make a binding transaction quote or confirm that a product is available in your jurisdiction. Website content is not financial, investment, tax or legal advice.
To open an account or use payment services, you must affirmatively accept the applicable terms during onboarding and meet the eligibility and verification requirements. We will make the applicable terms available to retain or download. A product schedule, fee disclosure or transaction confirmation may set out additional terms specific to that service. A product schedule governs its subject matter in case of conflict, subject to mandatory law. A transaction confirmation records the details of that instruction.
3Eligibility and verification
Individual customers must have reached the age of majority in their jurisdiction and have legal capacity to contract. A person acting for a business must be authorised to bind it. Business onboarding is available only where enabled and may require information about the entity, its directors, beneficial owners and authorised representatives.
You must provide accurate and current information and promptly tell us of material changes. We may request identification, proof of address, source of funds or other information, perform screening and verify details through service providers. We may decline or restrict access where verification is incomplete or legal, fraud, sanctions or security concerns arise.
4Account security and acceptable use
Keep your credentials, devices and security codes secure. Do not share access except through approved business-user permissions. Notify support promptly if you suspect unauthorised activity, a lost device, an incorrect payment or misuse of your identity. We may take proportionate steps to protect the account and investigate. Your rights and our responsibilities are determined by applicable law and the relevant service terms.
You must not use the Platform for fraud, money laundering, sanctions evasion or other unlawful activity; impersonate another person; submit false or unauthorised information; bypass security; interfere with the Platform; or use it on behalf of undisclosed third parties. Do not scrape, redistribute or commercially exploit Platform material without permission, or reverse engineer it except where mandatory law permits.
5Services and availability
Depending on your eligibility, jurisdiction, currency and the features enabled for your account, REMPIC may offer money transfers, currency conversion and related payment services. A product shown on the website, in a preview or in a test environment may not be available for live transactions. We may use payment, settlement, verification and technology partners to deliver services. Separate third-party services may have their own terms; using partners does not remove REMPIC’s obligations to you.
6Payment instructions and costs
Before authorising an instruction, review the recipient details, amount, currency, fees, any exchange rate, total payable, expected delivery and any other applicable information shown for that transaction. Quotes may expire. If a quote changes before acceptance, review and accept the new terms before proceeding. Any known deductions or charges and any applicable estimates will be identified as such. Intermediaries or the recipient’s provider may impose charges outside our control.
By confirming an instruction, you authorise us to process it as shown. We may delay, decline or return an instruction where required by law, verification, security, funding, limits, invalid details or partner availability. Delivery estimates may be affected by business days, cut-off times and intermediary checks. We will make the transaction reference and status available where applicable.
7Cancellation, refunds and payment errors
Contact support promptly with the transaction reference to request cancellation, a recall or correction. Whether we can stop or recover a payment depends on its status and the receiving provider. An executed payment may not be reversible. If a refund is due, we will explain the applicable amount, method and timing. Nothing here limits mandatory cancellation, refund or error-resolution rights.
8Funds held for customers
Where we hold eligible end-user funds and the RPAA safeguarding requirements apply, we safeguard those funds in accordance with those requirements. Our Safeguarding Practices disclosure explains the arrangements applicable to the relevant service. Do not assume that all balances or assets have the same legal treatment. Safeguarding is not a promise of deposit insurance or a government guarantee.
9Virtual currency and stablecoins
If enabled, virtual currency or stablecoin features are subject to the applicable product terms and disclosures provided before use, including any custody arrangements, supported assets and networks, fees and transfer restrictions. These Terms alone do not enable those features or establish custody or redemption terms.
Blockchain transactions may be irreversible. Check the network, asset, address and any required memo before confirming. A wrong address or network may result in permanent loss. Stablecoins can lose value relative to their reference asset. Virtual assets should not be assumed to have the same safeguarding or insurance treatment as fiat end-user funds.
10Privacy, messages and device permissions
Our Privacy Policy explains how we collect, use, disclose and retain personal information across the website and both apps. Where consent is required, we will request it separately as appropriate. Closing an account does not require us to erase information we are required or permitted to retain for legal, fraud prevention or dispute purposes.
We may send account, security and service notices via email, the Platform or other agreed channels. Keep your contact details current. Marketing messages are handled separately and you can unsubscribe. Features such as identity verification may request device permissions for the purpose disclosed when requested; denying a permission may prevent use of that feature.
11Access to the Platform and intellectual property
We grant you limited, non-exclusive access to use the Platform for its intended purposes. REMPIC and its licensors retain their intellectual property rights. You retain rights in the material you submit and permit us to use it as needed to provide the service, handle support and disputes, prevent fraud and meet legal obligations, subject to our Privacy Policy and applicable law.
We may update the Platform or require compatible devices and app versions. Maintenance and disruptions may affect access. Independent third-party links are provided for convenience. Nothing in this section limits obligations that apply to REMPIC or its services.
12Restrictions, suspension and closure
We may restrict or suspend an account or transaction for security, fraud, sanctions, verification, material breach or legal reasons. Where permitted, we will provide information about the restriction and how to contact us. You may request account closure through the Platform or support. Closure does not cancel instructions already in progress or extinguish amounts properly owed.
After closure, we will deal with any available balance in accordance with applicable law and service terms, subject to verification and any lawful hold or outstanding transaction. Contact support for help accessing statements, resolving pending transactions or requesting the return of available funds.
13Changes to these terms
We will publish the current Terms on the Platform and notify account holders of material changes in advance when required, including by email or an in-app notice. Where law or the nature of the change requires fresh acceptance, we will request it. Changes do not retroactively alter a transaction already accepted unless permitted by law and agreed where required.
14Responsibility and mandatory rights
Nothing in these Terms excludes or limits any right, remedy or liability that cannot lawfully be excluded or limited. These Terms do not relieve REMPIC of its duties concerning funds it holds, transaction handling, privacy or other obligations under applicable law. Subject to those protections, each party is responsible for losses to the extent required by applicable law and the relevant service terms.
15Support, complaints and governing law
For payment errors, account concerns or complaints, email support@rempic.com or use the official support channel available on the Platform.
Include the transaction reference, a description of the issue and your preferred contact method. Do not include passwords or security codes.
You may request our complaint process and ask how to escalate an unresolved issue. Nothing here restricts your right to contact a competent authority or bring a claim where permitted.
These Terms are governed by the laws of British Columbia and the federal laws of Canada applicable there, subject to mandatory protections and jurisdiction rules that apply to you.
If any provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law.
Rem International Payments Inc.
1834 Oak Bay Avenue, Suite 126,
Victoria, BC V8R 0A4,
Canada
rempic.com | support@rempic.com