1. GENERAL TERMS

Who are we?
Simpaisa CA Limited (“Company,” “we,” “us,” or “our”) is a FINTRAC-registered entity specializing in facilitating seamless cross-border remittance services for licensed exchange houses, money transfer operators (MTOs), and financial institutions. Our registered office is located at 80 Birmingham St, C6, Toronto, Ontario, Canada M8V 3W6.

Purpose of this website
The website serves as an informational gateway for our B2B remittance platform, providing details about our services, operational scope, and value proposition. By accessing the website, you agree to these Terms and Conditions in full. If you do not agree, please discontinue use immediately.

These Terms and Conditions incorporate our Privacy Policy and Refund Policy by reference. Please review these documents carefully as they govern how we collect, use, and manage your data, as well as the terms governing refunds and chargebacks.

2. SCOPE OF SERVICES

• We provide a B2B platform for facilitating remittances between licensed exchange houses and financial institutions.
• Our services currently support corridors including Pakistan, Bangladesh, Nepal, and others, with plans to expand into Egypt and Sri Lanka.
• The platform enables real-time API integrations, centralized reporting, and compliance-driven remittance operations.

3. USER RESPONSIBILITIES

Compliance
Users must ensure compliance with all applicable laws, regulations, and industry standards, including those governing cross-border remittance transactions in their jurisdictions.

Accuracy of Information
You are responsible for providing accurate and complete information as required for remittance operations and compliance checks.

4. INTELLECTUAL PROPERTY

• All intellectual property rights related to the website and its content are owned or licensed by Simpaisa CA Limited. Users may not copy, modify, distribute, or use any content without prior written consent.

How You May Use Material on Our Site

• How You May Use Material on Our Site
  Users are granted a limited, non-exclusive, and revocable license to access and use the website for informational purposes related to our services.
• Users may not exploit any material for commercial purposes without prior written consent from us.
• Misuse of content, such as reverse engineering, data mining, or unauthorized reproduction, is strictly prohibited.

5. RULES ABOUT LINKING TO OUR SITE

• Users may link to our homepage provided the link does not misrepresent us in any way whatsoever, damage our reputation, or imply endorsement without our consent.
• Links must comply with applicable laws and must not be embedded in sites with unlawful or offensive content.
• We reserve the right to revoke linking permissions at any time.

6. SERVICE AVAILABILITY

• The website and related services are provided "as-is" without any guarantees of uninterrupted availability.
• We reserve the right to modify or discontinue website content or services at any time without prior notice.

7. LIMITATION OF LIABILITY

• We are not liable for any loss or damage arising from the use of our services or the website, including delays or failures caused by third parties.
• All refunds and chargebacks are governed solely by merchant-specific agreements and are outside our direct control. For more details, please refer to our Refund Policy.

8. GOVERNING LAW

These Terms and Conditions are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any disputes arising from these terms shall be settled exclusively in the competent courts of Ontario.

9. UPDATE TO TERMS

Changes To These Terms

We may amend these Terms and Conditions from time to time as required. Each time you use our website, please review these terms to ensure you understand the terms applicable at that time. Continued use of the website signifies acceptance of any changes.

Changes To Our Website

• We may update and change our website periodically to reflect changes in our products, users' needs, and business priorities. While we strive to inform users of significant updates, prior notice may not always be provided.
• We may suspend or withdraw access to the website, or parts of it, for business or operational reasons without prior notice.
• Our website is made available free of charge. However, we do not guarantee uninterrupted or error-free availability of the website or its content.
• Users are responsible for ensuring that all individuals accessing the website via their internet connection are aware of these Terms and Conditions and comply with them.
• Changes to the handling of your data will be reflected in our Privacy Policy

10. CONTACT US

For questions regarding these Terms and Conditions, please contact us at:
Email : support@simpaisa.com
Address: 80 Birmingham St, C6, Toronto, Ontario, Canada M8V 3W6