1. THE SERVICE

The Service allows users to send money Globally to countries served by Trocah Finance Ltd. A "Sender" uses the Service to send money and a "Recipient"receives money through the Service. A "Transaction" refers to an order to send money through the Service. The "Transaction Amount"is the amount that the Sender provides to Trocah Finance Ltd for transmittal to the Recipient. The "Payout Amount" is the amount paid out to the Recipient.

2. ELIGIBILITY FOR THE SERVICE

• Age and Capacity: You must be at least eighteen (18) years old and have the capacity to enter into a legally binding agreement under applicable law in order to access or use the Service as a Sender. You must use the Service in your individual capacity and not on behalf of a business or legal entity. Other restrictions may apply.
• Others: You may not submit or receive a Transaction on behalf of any other person.
• Residence within Canada: The Service is currently available to residents of certain provinces of Canada. Please check our website frequently to see whether your province of residence has been added to the list of eligible jurisdictions.
• Offer and Acceptance: If you submit a Transaction, you are requesting that we process your Transaction, an offer that we may accept or reject at our sole discretion.

3. PAYING FOR THE SERVICE

• Charges: With each Transaction you submit you are agreeing to pay us a service fee ("Service Fee"), in addition to the Transaction Amount. Service fee Payment is due at the time the Transaction is submitted for processing. If you submit a Transaction that results in us being charged NSF fees, chargeback fees, or other similar costs, you agree to reimburse Trocah Finance Ltd for all such fees.
• Payment: In order for us to process your Transaction you authorize us to charge any of the payment instruments included in your payment profile ("Payment Instrument") includes credit card, debit card, or bank account). If your payment fails, you authorize us to re-try one or more times using the same Payment Instrument. You warrant that you are an authorized and lawful user of the Payment Instrument(s).
• Other Charges: We are not responsible for fees that may be imposed by financial institutions associated with your Payment Instruments. For example, some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" and may impose additional fees and interest cost for the Transaction. Trocah Finance Ltd is not responsible for any NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank, credit card issuer, or other provider.

4. RECEIVING A REMITTANCE

• Service Providers: We work with local banks and other third party outlets (each, a "Service Provider") to make funds available to Recipients
• Verification:  Recipients will be required to prove their identities before receiving funds by presenting valid identification. Also, Recipients may be required to provide a reference number or another similar identifier associated with their Transactions.

5. IMPORTANT SERVICE RESTRICTIONS

• General: We may refuse any Transaction or limit the amount to be transferred, either on a per Transaction or aggregated basis. These limits may be imposed on individual accounts or linked accounts. We reserve the right at any time to modify or discontinue all or any part of the Service.
• Delays: Your Transaction may be delayed by our effort to verify your identity and validate your Payment Instruments and otherwise comply with laws or manage our financial risk. You may be entitled to a refund in certain circumstances, and you may cancel your Transaction at any time while it is pending.
• Commercial Transactions: You should not use the Service to send money except to people that you know. We are not responsible for, the quality or delivery of goods or services that you pay for using the Service. You accept that using the Service to pay for goods and services is at your own risk.
• Unauthorized Transactions: You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any of the following: sexually-oriented materials or services,  gambling activities , fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, tobacco related paraphernalia, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, Trocah Finance Ltd will report you to law enforcement. We recommend you use the Service to send money to friends and family and, therefore, you should not use the Service to send money to strangers.
• Ineligibility: We may refuse Transactions from certain Senders and to certain Recipients that are included on the Specially Designated Persons list, Non-cooperative Countries and Territories list, and such other lists as issued by different government agencies.
• No Changes:  We generally do not let you change the details of your Transaction once it has been submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.
• Restricted Activities:  In connection with your use of our website or the Service, or in the course of your interactions with Trocah Finance Ltd a user or a third party, you will not:
• Breach this User Agreement, or any other agreement between you and Trocah Finance Ltd;
• Provide false, inaccurate, or misleading information;
• Refuse to cooperate in an investigation or provide confirmation of your identity;
• Use an anonymizing proxy;
• Use any automatic device, or manual process to monitor or copy our website.

6. HOW AND WHY WE COLLECT PERSONAL INFORMATION

• Privacy Policy:   By agreeing to this User Agreement, you acknowledge and consent to Trocah Finance Ltd's Privacy https://trocah.com/ca
• Customer Identification Program: Canadian law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. You authorize us to verify the information that you provide to us. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website. For additional details, please see our [Privacy Policy] https://trocah.com/ca
• Government Disclosures:  We may provide information about you and your Transactions to government authorities and law enforcement agencies, as described in our Privacy Policy.
• Verifying information:  You consent and authorize us to make any inquiries, to you or to others, which are necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.
• Processing of Personal Information:  Trocah Finance Ltd transfers and stores personal data in Canada and other international jurisdictions to perform its obligations and exercise its rights under the Agreement. The applicable privacy laws of those other international jurisdictions may differ from those in Canada.

7. ERROR RESOLUTION, CANCELLATIONS AND REFUNDS

• Error Resolution. Let us know at any time if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement. For more information about error resolution.
• Refunds. You can cancel your Transaction at any time prior to its completion. Completion means that your Recipient has claimed the money you sent either through cash pick-up, home delivery or the funds have been deposited to their bank account. Upon receipt of a cancellation request, we may confirm with our Service Providers to determine whether the transaction has been completed prior to initiating a refund. The Transaction Amount will not be refunded after completion.If, however, you are not satisfied with our service for any reason we will always refund the Service Fees. All refunds will be credited to the same Payment Instrument used to pay for the Transaction. If you have a complaint, first contact the consumer assistance division of Trocah Finance Ltd  atsupport-ca@trocah.com, if you still have an unresolved complaint regarding the company's business activities, please direct your complaint to your provincial consumer affairs agency
• Complaints: Although we encourage you to share with us any concerns or questions you may have about our service, including your account or a specific transaction, you may also want to contact the consumer affairs authority in your province

8. INTELLECTUAL PROPERTY

9. DISCLAIMER OF WARRANTIES

10. INDEMNITY

11. LIMITATION OF LIABILITY

12. DISPUTE RESOLUTION AND GOVERNING LAW

1. Governing Law and Venue: This User Agreement, and any dispute or claim arising out of or relating to the Service, or the User Agreement (each a "Claim") shall be governed according to the laws of the Province of British Columbia and the federal laws of Canada applicable therein, except that body of law governing conflicts of law. You agree to submit to exclusive jurisdiction of the courts of competent jurisdiction in Vancouver, British Columbia. The application of the United Nations Convention on Contracts for the International Sale of Goods to this Agreement is expressly excluded.
2. Disputes with Trocah Finance Ltd: If a dispute arises between you and Trocah Finance Ltd our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Trocah Finance Ltd regarding the Service may be reported online or by mail at Trocah Finance Ltd, attn: Customer Service (Canada), 115 -1975 Mccallum  Road, Abbotsford BC V2N 3N3, Canada.
3. Arbitration:  Any dispute regarding this Agreement, including the validity, existence, binding effect, interpretation, performance, breach or termination, and including tort claims, may be referred to and finally determined, to the exclusion of the courts, by a single arbitrator. The arbitration shall take place in Vancouver, British Columbia, in English, and in accordance with the [National Arbitration Rules of the National Arbitration Institute of Canada, Inc.] In all other respects the arbitration shall be governed by and subject to the Arbitration Act (RSBC).
4. Improperly Filed Litigation:  All claims you bring against Trocah Finance Ltd must be resolved in accordance with section 12 of this Agreement. All claims filed or brought contrary to section 12 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to section 12, Trocah Finance Ltd may recover legal fees and costs (including in-house attorneys and paralegals) up to $1,000.00 CDN, provided that Trocah Finance Ltd has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

13. COMMUNICATIONS

14. MISCELLANEOUS

• Third party websites links and content:  Any external links to third-party websites or third-party content on our website are provided as a convenience to you and does not imply Trocah Finance Ltd's endorsement of the third-party website or content. These sites are not controlled by us in any way, and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.
• Entire Agreement: The User Agreement constitutes the entire agreement between you and Trocah Finance Ltd and governs your use of the Service, superseding any prior agreements between you and Trocah Finance Ltd.
• No Waiver: The failure of Trocah Finance Ltd to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect
• Force Majeure: We shall not be liable for any failure or delay in the performance of the Service to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical and network infrastructure; sovereign default; power or internet failure; civil unrest; war; and earthquake, fire, flood, or other natural disasters.
• Modification:  We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.

15.SECURITY

16.LANGUAGE

17.CONTACT INFORMATION