Yousewire Terms of Service

1. Introduction

1.1 About Yousewire

Yousewire Canada Inc. ("Yousewire", "we", "our", or "us") is a Canadian financial technology company providing multi-currency financial services to eligible individuals and businesses.

Through our Platform, we enable eligible users to:

• open and manage supported multi-currency wallets
• receive funds using eligible Virtual Accounts
• fund wallets using supported payment methods
• send and receive domestic transfers through supported payment networks
• send international transfers through supported payment networks
• exchange supported currencies
• access Premium Tier services where approved
• create and manage Business Accounts
• access additional products and services that may be introduced from time to time

The availability of specific services, currencies, payment methods, payment rails, and countries may vary depending on your location, account type, verification status, regulatory requirements, and the capabilities of our regulated payment infrastructure partners.

1.2 Regulatory Status

Yousewire is incorporated in Ontario, Canada.

Yousewire is registered as a Money Services Business ("MSB") with the Financial Transactions and Reports Analysis Centre of Canada ("FINTRAC") and complies with applicable Canadian anti-money laundering, anti-terrorist financing, sanctions, and other applicable regulatory requirements.

To deliver our Services, Yousewire works with regulated payment infrastructure providers, licensed financial institutions, banking partners, identity verification providers, fraud prevention providers, and other authorised service providers.

Nothing in these Terms creates a banking relationship between you and Yousewire.

Unless expressly stated otherwise, balances maintained through the Platform are not bank deposits held with Yousewire, are not interest-bearing, and should not be interpreted as deposits protected by any government deposit insurance program.

1.3 Scope of these Terms

These Terms govern your access to and use of:

• the Yousewire website
• the Yousewire mobile applications
• your Personal Account
• your Business Account
• all supported Multi-Currency Wallets
• Virtual Accounts
• Funding services
• Currency Exchange services
• domestic transfer services
• international transfer services
• Premium Tier services
• future APIs
• future card products
• any additional products or services that Yousewire makes available

Certain Services may be subject to additional terms. Those additional terms become part of this agreement when you use the relevant Service.

1.4 Acceptance of these Terms

By creating an account, accessing the Platform, or using any Yousewire Service, you confirm that:

• you have read and understood these Terms
• you have the legal capacity to enter into this agreement
• you agree to be legally bound by these Terms
• you consent to receiving electronic communications from Yousewire
• you agree to the policies incorporated into these Terms by reference
• you agree to any additional terms applicable to Services you choose to use

If you are accepting these Terms on behalf of a business or other legal entity, you represent and warrant that you are authorised to bind that entity to these Terms.

If you do not agree to these Terms, you must not access or use the Platform.

1.5 Incorporated Policies

The following policies form part of these Terms and are incorporated by reference:

Privacy Policy

Fees & Pricing Policy

Eligibility & Supported Countries Policy

Risk Disclosure Statement

Acceptable Use Policy

Complaints Handling Policy

Cookie Policy

Where applicable, your use of specific features is also governed by:

• Virtual Account Terms
• Business Account Terms
• Premium Tier Terms
• Digital Asset Funding Terms
• Cardholder Agreement (when available)

API Terms (when available).

If there is any inconsistency between these Terms and a feature-specific agreement, the feature-specific agreement will prevail only in relation to that feature.

1.6 Electronic Communications

You agree that Yousewire may provide notices, agreements, disclosures, statements, receipts, tax documents, updates, and other communications electronically through:

• the Platform
• email
• SMS
• push notifications
• any other electronic communication channel that Yousewire makes available

You are responsible for maintaining current and accurate contact information and for regularly reviewing communications sent by Yousewire.

Electronic communications satisfy any legal requirement that such communications be provided in writing, to the extent permitted by applicable law.

1.7 Changes to the Platform

The financial services industry is continually evolving.

Accordingly, Yousewire may introduce new Services, discontinue existing Services, modify functionality, update supported currencies, payment methods, payment rails, transaction limits, countries, or eligibility requirements where reasonably necessary to:

• comply with applicable laws or regulatory requirements
• maintain the security or integrity of the Platform
• improve our Services
• manage operational or financial risk
• respond to changes introduced by our regulated payment infrastructure partners
• support the continued operation of the Platform

Where required by law, we will provide reasonable advance notice of material changes.

1.8 Changes to these Terms

We may update these Terms from time to time.

Where a proposed change materially affects your rights or obligations, we will provide notice through the Platform, by email, or through another appropriate electronic communication channel before the change becomes effective, unless immediate changes are required by law, regulatory direction, fraud prevention, or security considerations.

Your continued use of the Platform after the effective date of the updated Terms constitutes acceptance of the revised Terms.

1.9 Language

These Terms are written in English.

Translations may be provided solely for convenience.

To the extent permitted by applicable law, the English version will prevail if there is any inconsistency between the English version and a translated version.

2. Definitions

Unless the context requires otherwise, the following definitions apply throughout these Terms and all documents incorporated by reference.

2.1 Account

Account means a registered Personal Account or Business Account that enables an eligible user to access the Services.

2.2 Applicable Law

Applicable Law means all laws, regulations, regulatory guidance, sanctions regimes, court orders, and legally binding requirements applicable to Yousewire, you, or the Services, including those relating to anti-money laundering, anti-terrorist financing, sanctions, consumer protection, privacy, electronic communications, and financial services.

2.3 Authorized User

Authorized User means an individual authorized by a Business Account to access or use the Platform on behalf of the business.

2.4 Available Balance

Available Balance means the amount available for Funding, Currency Exchange, or Transfers after deducting any pending transactions, holds, fees, compliance restrictions, or other applicable adjustments.

2.5 Business Account

Business Account means an Account opened by or on behalf of a legally registered business entity that has successfully completed Yousewire's Know Your Business (KYB) verification process.

Business Accounts are subject to these Terms and the Business Account Terms.

2.6 Business Day

Business Day means any day on which banks and payment networks used by Yousewire are generally open for business, excluding weekends and public holidays in the applicable jurisdiction.

Processing times may vary depending on the relevant payment network.

2.7 Compliance Review

Compliance Review means any review, investigation, verification, or assessment conducted by Yousewire to satisfy legal, regulatory, risk management, fraud prevention, or security obligations.

2.8 Currency Exchange

Currency Exchange means the conversion of one supported fiat currency into another supported fiat currency using an exchange rate quoted by the Platform.

Exchange rates displayed by the Platform may include applicable spreads, markups, fees, or negotiated pricing arrangements.

2.9 Digital Asset Funding

Digital Asset Funding means an eligible Funding method that allows supported blockchain-based digital assets to be transferred over supported blockchain networks for the purpose of funding an eligible fiat wallet.

Digital Asset Funding:

• does not permit users to hold digital asset balances within the Platform
• does not permit users to trade digital assets
• does not permit users to withdraw digital assets
• is available only for supported digital assets, blockchain networks, jurisdictions, and account types

Upon successful receipt, supported digital assets are converted and the corresponding fiat currency is credited to the applicable wallet.

2.10 Electronic Communication

Electronic Communication means any notice, agreement, statement, disclosure, receipt, alert, notification, message, or other communication delivered electronically by Yousewire.

Electronic Communications may be delivered through:

• email
• SMS
• push notification
• the Platform
• any other electronic channel made available by Yousewire

2.11 Fees

Fees means all charges, commissions, spreads, markups, network charges, service charges, negotiated pricing, and any other amounts payable in connection with the Services.

Current Fees are described in the Fees & Pricing Policy and displayed before you authorize a transaction where applicable.

2.12 Funding

Funding means the process of adding supported fiat currency to an eligible Wallet using an approved payment method.

Funding methods may include, where available:

• bank transfer
• Virtual Accounts
• supported payment networks
• Digital Asset Funding
• other funding methods introduced by Yousewire

2.13 Identity Verification

Identity Verification means the process of verifying the identity of an individual or business using information, documentation, biometric verification, or other verification methods required by Yousewire or Applicable Law.

2.14 Multi-Currency Wallet

Multi-Currency Wallet means the collection of supported fiat currency wallets made available through your Account.

Each Wallet:

• is denominated in a specific supported fiat currency
• may support different payment methods
• may have different transaction limits
• may be subject to additional eligibility requirements

2.15 Payment Network

Payment Network means any domestic or international payment rail, clearing system, settlement system, or financial messaging network supported by Yousewire or its regulated payment infrastructure partners.

Examples include:

ACH

Fedwire

SWIFT

Interac

EFT

SEPA Instant

SEPA Credit

Faster Payments

BACS

Nigerian Bank Transfer

The availability of a Payment Network depends on your jurisdiction, account type, supported currencies, and regulatory requirements.

2.16 Personal Account

Personal Account means an Account opened by an individual for personal use after successfully completing Yousewire's identity verification requirements.

2.17 Platform

Platform means the Yousewire website, mobile applications, APIs (where available), software, technology infrastructure, and all related products and services made available by Yousewire.

2.18 Premium Tier

Premium Tier means an enhanced account tier available to eligible users who successfully complete Enhanced Due Diligence (EDD) and satisfy Yousewire's eligibility requirements.

Premium Tier benefits may include:

• increased transaction limits
• negotiated pricing where applicable
• additional products
• enhanced service features
• other benefits introduced by Yousewire

Approval is entirely at Yousewire's discretion and may be suspended or withdrawn where reasonably necessary.

2.19 Prohibited Activity

Prohibited Activity means any activity prohibited under these Terms, the Acceptable Use Policy, Applicable Law, or any instruction issued by a competent regulatory authority.

2.20 Regulated Payment Infrastructure Partner

Regulated Payment Infrastructure Partner means any licensed financial institution, payment institution, electronic money institution, banking partner, payment processor, settlement provider, or other regulated third-party service provider engaged by Yousewire to facilitate the Services.

2.21 Services

Services means all products, features, functionality, software, payment services, financial technology services, and related offerings made available through the Platform.

2.22 Transfer

Transfer means any movement of supported fiat currency through the Platform, including:

• domestic transfers
• international transfers
• outgoing transfers
• incoming transfers
• wallet funding
• wallet withdrawals (where available)
• other supported payment transactions

2.23 Virtual Account

Virtual Account means payment credentials assigned to an eligible user for the purpose of receiving funds into an eligible Wallet.

Virtual Accounts may include:

USD Local Virtual Accounts

USD Global Virtual Accounts

CAD Virtual Accounts

NGN Virtual Accounts

EUR Virtual Accounts

GBP Virtual Accounts

Virtual Accounts:

• remain the property of the issuing financial institution or regulated payment infrastructure partner
• may be changed, replaced, suspended, or withdrawn
• may become inactive following prolonged inactivity
• are governed by the Virtual Account Terms

2.24 Wallet

Wallet means an individual fiat currency balance maintained within your Multi-Currency Wallet.

Examples include:

USD Wallet

CAD Wallet

NGN Wallet

EUR Wallet

GBP Wallet

BRL Wallet (when available)

Each Wallet is governed by these Terms and may be subject to additional eligibility requirements, supported payment methods, transaction limits, and regulatory restrictions.

2.25 Interpretation

In these Terms:

• headings are for convenience only and do not affect interpretation
• words importing the singular include the plural and vice versa where the context requires
• references to "including" or "includes" mean "including without limitation"
• references to Applicable Law include amendments, replacements, and successor legislation
• references to any policy or agreement include any amended or replacement version of that document

3. Eligibility

3.1 General Eligibility

Yousewire's Services are available only to eligible individuals and businesses that satisfy our onboarding, compliance, and ongoing eligibility requirements.

Eligibility is determined by Yousewire in accordance with these Terms, the Eligibility & Supported Countries Policy, applicable laws, regulatory obligations, and the requirements of our regulated payment infrastructure partners.

Meeting the eligibility requirements at the time you open an Account does not guarantee your continued eligibility. You must continue to satisfy all applicable requirements throughout your relationship with Yousewire.

3.2 Individual Accounts

To open and maintain a Personal Account, you must:

• be at least eighteen (18) years of age
• have the legal capacity to enter into a legally binding agreement
• complete all identity verification requirements requested by Yousewire
• reside in, or otherwise be eligible to use the Services in, a supported jurisdiction
• not be subject to applicable sanctions or legal restrictions that prohibit the use of our Services
• comply with these Terms and all applicable laws

Yousewire may request additional information or documentation before approving or maintaining your Account where reasonably necessary for compliance, fraud prevention, or risk management purposes.

3.3 Business Accounts

Business Accounts are available only to legally registered entities that satisfy Yousewire's business onboarding and compliance requirements.

To open a Business Account, the business must successfully complete our Know Your Business (KYB) verification process.

Before KYB can begin, every beneficial owner, director, or other individual identified by Yousewire as requiring verification must first successfully complete their own Personal Account registration and identity verification.

Approval of a Personal Account does not automatically result in approval of a Business Account.

Business verification may take up to three (3) Business Days, although additional time may be required where enhanced due diligence, regulatory review, or additional documentation is necessary.

3.4 Verification Requirements

To comply with applicable laws and protect the integrity of the Platform, Yousewire may require you to provide information or documentation before, during, or after account opening.

Depending on your account type, transaction activity, jurisdiction, or risk profile, this may include identity documents, proof of address, business registration documents, beneficial ownership information, source of funds, source of wealth, or other information reasonably required to satisfy legal or regulatory obligations.

Failure to provide requested information within a reasonable period may result in delayed services, transaction restrictions, suspension, or closure of your Account.

3.5 Geographic Availability

Yousewire's Services are available only in jurisdictions supported by Yousewire and its regulated payment infrastructure partners.

Supported jurisdictions, supported currencies, supported payment methods, and supported payment networks may change from time to time due to legal, regulatory, operational, or commercial considerations.

You may not use the Platform from a prohibited jurisdiction or in any manner that would cause Yousewire to breach applicable sanctions, export controls, or other legal obligations.

Additional information is available in the Eligibility & Supported Countries Policy.

3.6 Ongoing Eligibility

Your eligibility to use the Platform is subject to continuous review.

Yousewire may periodically request updated information or documentation to confirm that you continue to satisfy applicable eligibility, compliance, or regulatory requirements.

Where we determine that you no longer satisfy the eligibility requirements, we may limit, suspend, or terminate your access to some or all Services in accordance with these Terms.

3.7 Our Decision

Yousewire may refuse to open an Account or provide a Service where we reasonably believe that doing so would expose Yousewire, its customers, or its regulated payment infrastructure partners to unacceptable legal, regulatory, financial, fraud, operational, reputational, or security risk.

Unless prohibited by law, Yousewire is not required to disclose the specific reasons for every eligibility or onboarding decision.

I think this chapter already reads much more like a mature fintech agreement. Rather than relying on a long list of bullet points, it explains the user's obligations and Yousewire's responsibilities in clear prose while preserving the legal protections you need. As we continue through the remaining chapters, I'll keep this narrative style so the entire Terms of Service feels cohesive, professional, and easier for customers to understand.

4. Creating and Managing Your Account

4.1 Account Registration

To access the Services, you must create a Yousewire Account by completing the registration process through our website or mobile application.

During registration, you must provide complete, accurate, and current information. You agree not to create an Account using false, misleading, or fraudulent information, or information belonging to another person without lawful authority.

Your Account is personal to you unless it is a Business Account established in accordance with these Terms. You may not sell, transfer, assign, or otherwise allow another person to use your Account except where expressly permitted by Yousewire.

Creating an Account does not automatically entitle you to access every product or service offered through the Platform. Certain Services are available only after additional verification, eligibility assessments, or approval.

4.2 Personal Accounts

A Personal Account is intended for individuals using Yousewire in their personal capacity.

Upon successful registration and identity verification, eligible users may access supported Services, including Multi-Currency Wallets, Funding, Currency Exchange, domestic Transfers, international Transfers, and other Services made available through the Platform.

The availability of particular currencies, payment methods, Virtual Accounts, or transaction limits depends on your jurisdiction, verification status, regulatory requirements, and the Services available at that time.

4.3 Business Accounts

Businesses wishing to use Yousewire must first create a Personal Account for each individual who is required to complete identity verification.

Before a Business Account can be approved, all required directors, beneficial owners, controlling persons, and any other individuals identified by Yousewire must successfully complete individual identity verification.

Following successful individual verification, the business may submit its Know Your Business (KYB) application together with any supporting documentation requested by Yousewire.

Business Accounts are subject to ongoing compliance monitoring and may be required to provide updated corporate documentation or ownership information throughout the business relationship.

Business Accounts are governed by these Terms and the Business Account Terms.

4.4 Identity Verification

To comply with Applicable Law and protect the integrity of the Platform, Yousewire verifies the identity of all users before granting access to regulated financial services.

Verification requirements may vary depending on:

• your country of residence
• your account type
• the Services you use
• transaction values and frequency
• regulatory obligations
• your assessed risk profile

Verification may include identity documents, proof of address, biometric verification, tax identification numbers, beneficial ownership information, source of funds, source of wealth, or any additional information reasonably required to satisfy legal or regulatory obligations.

Completion of identity verification does not guarantee approval for every Service offered by Yousewire.

4.5 Keeping Your Information Up to Date

You are responsible for ensuring that all information associated with your Account remains complete, accurate, and current.

You must promptly notify Yousewire or update your Account whenever there is a material change to your:

• legal name
• residential or business address
• telephone number
• email address
• beneficial ownership
• directors or controlling persons
• tax residency
• business activities
• any other information relevant to your eligibility or regulatory obligations

Failure to maintain accurate information may result in delayed transactions, restricted access to Services, suspension of your Account, or termination of your relationship with Yousewire.

4.6 Account Security

You are responsible for maintaining the confidentiality and security of your login credentials and any device used to access the Platform.

You must:

• choose a strong password
• keep your authentication credentials confidential
• protect your devices from unauthorized access
• enable security features made available by Yousewire where appropriate
• notify Yousewire immediately if you believe your Account has been compromised

You remain responsible for all activity occurring through your Account unless Yousewire determines that the activity resulted from our negligence or another circumstance for which you are not responsible under Applicable Law.

4.7 Multi-Factor Authentication

To enhance the security of the Platform, Yousewire may require multi-factor authentication ("MFA") before permitting access to your Account or before authorizing certain transactions.

Authentication methods may include one-time passwords (OTP), biometric authentication, trusted devices, passkeys, security keys, or any other authentication methods supported by the Platform.

For your protection, Yousewire may require additional verification whenever we detect unusual login activity, new devices, unusual locations, elevated fraud risk, or other circumstances requiring enhanced security.

4.8 Communications About Your Account

Yousewire will communicate important information relating to your Account electronically.

You agree to receive notifications regarding, among other things:

• account registration
• identity verification
• Business Account verification
• login from a new device
• password changes
• creation of Virtual Accounts
• Funding confirmations
• completed Transfers
• failed or returned Transfers
• security alerts
• regulatory notices
• service updates
• other operational communications necessary to provide the Services

These communications form part of the Services and are distinct from marketing communications.

Operational and security-related communications cannot be disabled while your Account remains active.

4.9 Account Closure by You

You may request closure of your Account at any time, provided:

• all applicable verification requirements have been satisfied
• there are no outstanding compliance reviews
• no pending transactions remain
• all applicable fees have been paid
• no Applicable Law requires Yousewire to maintain your Account in an active or restricted state

Closing your Account does not automatically delete information that Yousewire is required to retain under Applicable Law or these Terms.

Additional information regarding the handling of personal information after account closure is available in the Privacy Policy.

4.10 Closure by Yousewire

Yousewire may suspend, restrict, or terminate your Account where reasonably necessary to:

• comply with Applicable Law
• satisfy regulatory obligations
• prevent fraud or financial crime
• protect the security or integrity of the Platform
• manage legal, financial, or operational risk
• respond to instructions from regulators, courts, or competent authorities
• enforce these Terms or any related policy

Where permitted by law, Yousewire will provide notice of suspension or termination. However, immediate action may be taken where disclosure would compromise an investigation, breach legal obligations, or create unacceptable risk.

Termination of your Account does not affect rights or obligations that arose before termination, including obligations relating to payment, compliance, dispute resolution, or record retention.

5. Using Your Account

5.1 Purpose of Your Account

Your Yousewire Account provides access to a range of regulated financial technology services designed to help you receive, hold, exchange and transfer supported fiat currencies through a single Platform.

Your Account is intended solely for lawful personal or business purposes consistent with these Terms, Applicable Law, and the nature of the Services made available to you.

The Services available through your Account may change over time as Yousewire introduces new products, expands into additional jurisdictions, or responds to legal, regulatory, operational, or commercial requirements.

5.2 Multi-Currency Wallets

Following successful registration and verification, eligible users may be provided with one or more Multi-Currency Wallets.

Each Wallet is denominated in a specific fiat currency and operates independently from every other Wallet within your Account.

At launch, Yousewire supports Wallets denominated in:

United States Dollars (USD)

Canadian Dollars (CAD)

Nigerian Naira (NGN)

Additional Wallets, including Euro (EUR) and Brazilian Real (BRL), may become available as the Platform expands.

The availability of any Wallet depends upon:

• your jurisdiction
• your verification status
• your account type
• regulatory requirements
• the services supported by Yousewire and its regulated payment infrastructure partners

Yousewire does not guarantee that every Wallet will always be available in every jurisdiction.

5.3 Wallet Balances

Each Wallet maintains a separate balance in its respective currency.

Wallet balances may be increased through supported Funding methods, incoming Transfers, Currency Exchange transactions, or any other Services supported by the Platform.

Wallet balances may decrease as a result of:

• outgoing Transfers
• Currency Exchange
• applicable Fees
• reversals
• refunds
• compliance holds
• corrections of processing errors
• any other adjustment permitted under these Terms or Applicable Law

Unless expressly stated otherwise, Wallet balances:

• do not earn interest
• are not investment products
• should not be interpreted as deposit accounts maintained with Yousewire
• remain subject to Applicable Law and these Terms

5.4 Available Balance

Your Available Balance represents the amount that is immediately available for use after taking into account:

• pending transactions
• applicable Fees
• compliance reviews
• temporary holds
• settlement requirements
• payment network processing
• any other applicable restrictions

The balance displayed within the Platform may not always reflect funds that remain subject to verification, settlement, reversal rights, or regulatory review.

Accordingly, Yousewire may restrict access to all or part of your balance until those processes have been completed.

5.5 Supported Currencies

Yousewire supports different currencies for different Services.

Some currencies may support:

• Wallet balances
• Virtual Accounts
• Funding
• domestic Transfers
• international Transfers

Currency Exchange.

Other currencies may support only selected Services.

For example, certain currencies may be available only for outgoing international payments without providing a Wallet or Virtual Account.

The currencies and services available through the Platform may change over time.

Current supported currencies are described within the Platform and the Eligibility & Supported Countries Policy.

5.6 Virtual Accounts

Eligible users may request one or more Virtual Accounts for the purpose of receiving supported fiat currency into an eligible Wallet.

Virtual Accounts are assigned by regulated financial institutions or regulated payment infrastructure partners and remain their property at all times.

A Virtual Account should not be interpreted as:

• a traditional bank account
• evidence of a banking relationship with Yousewire
• ownership of the payment credentials assigned to you

The availability of Virtual Accounts depends on your jurisdiction, account type, verification status, supported currencies, and other eligibility requirements.

Your use of Virtual Accounts is also governed by the Virtual Account Terms.

5.7 Local and International Payment Services

Depending on the Services available to you, Yousewire may support domestic and international Transfers using one or more Payment Networks.

Domestic payment services may include local payment rails such as ACH, Fedwire, Interac, EFT, Nigerian Bank Transfer, Faster Payments, BACS, SEPA Instant, or SEPA Credit.

International payment services may include cross-border payment networks such as SWIFT and other supported international payment methods introduced by Yousewire from time to time.

The availability of a Payment Network depends upon:

• the sending currency
• the destination currency
• your jurisdiction
• the recipient's jurisdiction
• regulatory requirements
• the capabilities of our regulated payment infrastructure partners

Yousewire does not guarantee the continued availability of any Payment Network.

5.8 Premium Tier

Certain enhanced features are available only to users who qualify for Premium Tier.

Premium Tier is intended for users requiring higher transaction limits and additional financial services.

Eligibility is determined following Enhanced Due Diligence and other compliance assessments conducted by Yousewire.

Approval for Premium Tier is not guaranteed.

Premium Tier users remain subject to ongoing monitoring and may be required to provide updated information at any time.

Additional terms governing Premium Tier are available in the Premium Tier Terms.

5.9 Service Availability

Yousewire aims to provide reliable and uninterrupted access to the Platform.

However, the availability of particular Services depends upon numerous factors outside our direct control, including payment networks, regulated payment infrastructure partners, telecommunications providers, internet connectivity, scheduled maintenance, and regulatory requirements.

Accordingly, Yousewire cannot guarantee uninterrupted availability of every Service at all times.

Where reasonably practicable, planned maintenance affecting the Platform will be communicated in advance.

5.10 Future Services

As the Platform evolves, Yousewire may introduce additional products and services, including payment cards, APIs, business payment solutions, payroll services, merchant services, additional currencies, or other financial technology products.

Unless expressly stated otherwise, your use of future Services will remain subject to these Terms together with any additional product-specific terms that may apply.

6. Funding Your Wallet

6.1 Funding Your Wallet

Eligible users may add funds to supported Wallets using Funding methods made available through the Platform.

The Funding methods available to you depend on several factors, including your country of residence, verification status, account type, supported currencies, applicable regulations, and the capabilities of our regulated payment infrastructure partners.

Funding methods may change over time as Yousewire introduces new services or modifies existing payment capabilities.

Current Funding methods are displayed within the Platform before you initiate a transaction.

6.2 Supported Funding Methods

Where available, Wallets may be funded using one or more of the following methods:

• Transfers to an eligible Virtual Account
• Domestic bank transfers using supported payment networks
• International bank transfers using supported payment networks
• Digital Asset Funding where supported

Any additional Funding methods introduced by Yousewire from time to time.

The availability of a Funding method does not guarantee its availability for every currency, jurisdiction, or account type.

6.3 Virtual Account Funding

Certain Wallets may be assigned a Virtual Account that allows you to receive supported fiat currency.

For example, depending on your eligibility and the Services available at the time:

• a USD Local Virtual Account may receive funds through supported domestic United States payment networks
• a USD Global Virtual Account may receive international USD payments through supported international payment networks
• a CAD Virtual Account may receive Canadian Dollar funding through supported Canadian payment methods
• an NGN Virtual Account may receive Nigerian Naira through supported Nigerian payment methods
• other Virtual Accounts may become available as additional currencies are introduced

You should only use your assigned Virtual Account for its intended purpose and in accordance with the Virtual Account Terms.

6.4 Funding Instructions

When initiating a Funding transaction, you are responsible for ensuring that all payment instructions are complete and accurate.

This includes, where applicable:

• the correct Virtual Account
• the correct payment network
• the correct reference information
• the correct currency
• any additional information required to process the transaction

Incorrect or incomplete payment instructions may result in delays, returned payments, additional Fees, or failed Funding transactions.

6.5 Digital Asset Funding

Where Digital Asset Funding is available, eligible users may fund supported fiat Wallets by transferring supported blockchain-based digital assets through supported blockchain networks.

Digital Asset Funding is provided solely as a Funding mechanism.

Upon successful receipt and verification of a supported digital asset, the corresponding fiat value will be credited to the applicable Wallet, subject to the applicable exchange rate, Fees, compliance reviews, and any other applicable conditions.

The Platform does not permit users to:

• maintain digital asset balances
• trade digital assets
• transfer digital assets between users
• withdraw digital assets

Your use of Digital Asset Funding is also governed by the Digital Asset Funding Terms.

6.6 Incorrect Digital Asset Transfers

Blockchain transactions are generally irreversible.

Accordingly, Yousewire cannot guarantee recovery where you:

• send an unsupported digital asset
• use an unsupported blockchain network
• send funds to an incorrect blockchain address
• fail to comply with Funding instructions
• otherwise initiate an incorrect blockchain transaction

Where recovery is possible, Yousewire may charge reasonable administrative or third-party costs associated with the recovery process.

Recovery is never guaranteed.

6.7 Compliance Review of Funding Transactions

All Funding transactions are subject to ongoing compliance monitoring.

Yousewire may delay, reject, suspend, or refuse to credit a Funding transaction where reasonably necessary to:

• comply with Applicable Law
• satisfy anti-money laundering or sanctions obligations
• investigate suspected fraud or financial crime
• verify the source of funds
• conduct Enhanced Due Diligence
• protect the integrity of the Platform

Where permitted by law, Yousewire will notify you if additional information is required before a Funding transaction can be completed.

6.8 Funding Limits

Funding limits may vary depending on:

• your verification status
• your account type
• the Funding method used
• the Wallet being funded
• the relevant payment network
• regulatory requirements
• your assigned transaction limits

Additional limits may apply to Premium Tier users.

Current Funding limits are displayed within the Platform where applicable.

6.9 Processing Times

Funding transactions are processed using external payment networks and financial institutions.

Although Yousewire aims to process Funding transactions promptly after successful receipt, processing times may vary depending on:

• banking hours
• weekends and public holidays
• payment network processing
• intermediary institutions
• compliance reviews
• system maintenance
• circumstances beyond Yousewire's reasonable control

Estimated processing times displayed within the Platform are provided for guidance only and should not be interpreted as guaranteed settlement times.

6.10 Failed or Returned Funding Transactions

A Funding transaction may fail or be returned for various reasons, including:

• incorrect payment details
• insufficient information
• rejected payment instructions
• compliance restrictions
• payment network failures
• regulatory requirements
• circumstances outside Yousewire's reasonable control

Where funds are returned to the originating institution, Yousewire is not responsible for the time required by that institution to make the funds available to you.

Applicable Fees charged by payment networks or intermediary financial institutions may still apply.

6.11 Funding Errors

If Yousewire reasonably believes that funds have been credited to your Wallet in error, we may correct the error by reversing the transaction or making any other adjustment reasonably necessary to restore the correct balance.

Where appropriate, Yousewire will notify you of the correction unless doing so would compromise a fraud investigation, legal obligation, or regulatory requirement.

You must not knowingly retain or use funds that have been credited to your Wallet as a result of an error.

6.12 Source of Funding

Yousewire is committed to maintaining a secure and transparent payment environment.

Accordingly, Funding transactions are categorised according to the relationship between the sender of the funds and the Account holder receiving the funds.

Depending on the nature of the Funding transaction, additional verification, approval, or compliance reviews may apply before funds become available for use.

6.13 First-Party Funding

First-Party Funding occurs where funds are received from a financial account or payment method that belongs to the same individual or business that owns the receiving Yousewire Account.

First-Party Funding is the default funding method supported by the Platform.

To reduce fraud and comply with applicable laws, Yousewire may request evidence demonstrating that the originating account belongs to you before crediting certain Funding transactions.

6.14 Third-Party Funding

Third-Party Funding occurs where funds originate from a person or business other than the registered owner of the receiving Yousewire Account.

To protect customers and reduce the risk of fraud, money laundering, scams, and unauthorized payments, Third-Party Funding is permitted only in accordance with Yousewire's compliance requirements.

Before receiving Third-Party Funding, you may be required to identify and authorize the expected sender through the Platform by completing Yousewire's third-party funding approval process ("Whitelisting").

Whitelisting allows Yousewire to perform appropriate compliance checks before funds are received and helps reduce delays in processing legitimate payments.

6.15 Unapproved Third-Party Funding

Where Yousewire receives Third-Party Funding from a sender who has not been approved through the applicable Whitelisting process, the funds may be placed on temporary hold ("Lien") pending completion of the required compliance reviews.

During this period:

• the funds may not be available for spending, withdrawal, exchange, or transfer
• Yousewire may request additional information from the recipient, the sender, or both
• compliance reviews may include verification of the sender's identity, the purpose of the payment, and the lawful source of funds
• the funds will remain subject to Applicable Law and these Terms

The duration of any temporary hold depends on the complexity of the review and the timely provision of any requested information.

6.16 Release or Return of Funds

Following completion of the applicable compliance review, Yousewire may:

• release the funds to the recipient's Wallet
• continue the hold where additional information is reasonably required
• return the funds to the originating financial institution or sender where appropriate
• decline the Funding transaction
• take any other action required by Applicable Law or these Terms

Where reasonably permitted, Yousewire will notify the recipient of the outcome of the review.

6.17 Our Approach

Yousewire recognises that legitimate third-party payments form an important part of personal and business financial activity.

Our Whitelisting process is intended to reduce unnecessary delays while ensuring that payments can be processed safely, securely, and in accordance with applicable legal and regulatory requirements.

Customers are encouraged to complete the Whitelisting process before expecting Third-Party Funding whenever reasonably practicable.

7. Currency Exchange

7.1 Currency Exchange Services

Yousewire enables eligible users to exchange supported fiat currencies through the Platform.

Currency Exchange allows funds held in one eligible Wallet to be converted into another supported currency using the exchange rate displayed by the Platform at the time the transaction is initiated.

The currencies available for exchange may change from time to time as additional services are introduced or as regulatory, operational, or commercial requirements evolve.

Only currencies displayed as available within the Platform may be exchanged.

7.2 Exchange Rate Quotes

Before a Currency Exchange transaction is confirmed, Yousewire will display a quotation that includes the applicable exchange rate, the amount to be debited, the amount to be credited, applicable Fees, and any other material information relating to the transaction.

Exchange rates displayed through the Platform may include:

• the underlying market rate
• Yousewire's pricing spread or markup
• applicable service fees
• payment network costs where applicable
• any negotiated pricing arrangements applicable to your Account

The quotation displayed before you confirm the transaction represents the complete commercial terms offered to you for that transaction.

7.3 Quote Validity

Exchange rates fluctuate continuously due to movements in the global foreign exchange markets.

Accordingly, exchange rate quotations remain valid only for the period specified within the Platform.

If a quotation expires before you confirm the transaction, Yousewire may provide a revised quotation reflecting the prevailing market conditions at that time.

A Currency Exchange transaction is deemed accepted only after you confirm the quoted transaction during its validity period.

7.4 Locked Exchange Rates

Once you successfully confirm a quoted Currency Exchange transaction within the applicable validity period, the quoted exchange rate will ordinarily be locked for that transaction.

A confirmed quotation may only be cancelled, amended, or reversed where:

• the transaction cannot be completed due to operational or technical failure
• Applicable Law requires intervention
• fraud or financial crime is suspected
• compliance reviews prevent completion
• incorrect pricing resulted from a manifest system error
• another circumstance exists that reasonably prevents completion of the transaction

Where a confirmed transaction cannot proceed, Yousewire will notify you where permitted by law and, where appropriate, return the affected funds to the originating Wallet.

7.5 Pricing Philosophy

Yousewire is committed to transparent pricing.

Whenever reasonably practicable, the Platform will display all material charges associated with a Currency Exchange transaction before you authorize the transaction.

Depending on the nature of the transaction, pricing may consist of one or more of the following:

• an exchange rate spread
• a fixed service fee
• a variable service fee
• payment network charges
• intermediary institution charges
• or other applicable costs

The combination of pricing elements may differ depending on the currencies involved, payment methods, transaction values, jurisdictions, account type, or other commercial factors.

7.6 Negotiated Pricing

From time to time, Yousewire may offer customized pricing arrangements to eligible customers.

Customized pricing may include preferential exchange rates, reduced Fees, higher transaction limits, enterprise pricing arrangements, promotional pricing, or other commercial terms agreed between Yousewire and the customer.

Eligibility for customized pricing is determined solely by Yousewire and may depend on factors including transaction volume, account history, regulatory requirements, commercial relationships, or other criteria established by Yousewire.

Unless otherwise agreed in writing, Yousewire may amend or withdraw customized pricing arrangements upon reasonable notice.

7.7 Currency Availability

Not every supported currency is necessarily available for every Service.

Certain currencies may support Wallet balances, Funding, Currency Exchange, domestic Transfers, international Transfers, or Virtual Accounts, while others may be available only for specific payment services.

The list of supported currencies and the services available for each currency may change from time to time and are published within the Platform and the Eligibility & Supported Countries Policy.

7.8 Exchange Transaction Limits

Currency Exchange transactions may be subject to minimum and maximum transaction amounts.

Applicable limits may depend on:

• your verification status
• your account type
• your Premium Tier status
• regulatory requirements
• the currencies involved
• any additional risk controls applied by Yousewire

Current transaction limits are displayed within the Platform where applicable.

7.9 Compliance Reviews

Every Currency Exchange transaction remains subject to Yousewire's compliance obligations.

Before, during, or after processing a transaction, Yousewire may conduct reviews necessary to satisfy anti-money laundering, sanctions, fraud prevention, counter-terrorist financing, or other legal obligations.

Where reasonably necessary, Yousewire may delay, reject, suspend, or cancel a transaction pending completion of such reviews.

If additional information is required, Yousewire may request supporting documentation, including information relating to the purpose of the transaction, source of funds, source of wealth, or other information reasonably necessary to satisfy Applicable Law.

7.10 Errors and Corrections

While Yousewire takes reasonable steps to ensure the accuracy of exchange rates and transaction information displayed through the Platform, errors may occasionally occur.

Where a transaction has been completed using an exchange rate or pricing generated as a result of a manifest technical or system error, Yousewire reserves the right to correct the error to the extent permitted by Applicable Law.

Where reasonably practicable, Yousewire will notify affected users before making any adjustment unless doing so would compromise a fraud investigation, regulatory obligation, or legal requirement.

7.11 Exchange Receipts and Transaction Records

Following completion of a Currency Exchange transaction, Yousewire will make a transaction record available through the Platform.

The transaction record may include:

• the source currency
• the destination currency
• the quoted exchange rate
• the amount debited
• the amount credited
• applicable Fees
• the date and time of processing
• any transaction reference generated by the Platform

These records are provided for your convenience and should be reviewed promptly. If you believe a transaction has been processed incorrectly, you should notify Yousewire as soon as reasonably practicable in accordance with the Complaints Handling Policy.

8. Transfers

8.1 Transfer Services

Yousewire enables eligible users to send and receive supported fiat currencies using the payment methods and payment networks available through the Platform.

Depending on the currency, destination, jurisdiction, and account type, Transfers may be processed using domestic payment networks, international payment networks, or other settlement mechanisms supported by Yousewire and its regulated payment infrastructure partners.

The Services available to you may change over time as new payment capabilities are introduced or existing services are modified.

8.2 Types of Transfers

The Platform may support several types of Transfers, including:

• transfers between your own eligible Wallets
• domestic bank transfers within supported jurisdictions
• international bank transfers
• transfers to recipients using supported payment networks
• transfers initiated from Virtual Accounts where supported
• any additional transfer services introduced by Yousewire in the future

Not every transfer type is available in every jurisdiction or for every supported currency.

8.3 Domestic Transfers

Domestic Transfers are payments sent within the same country using supported local payment networks.

Examples of supported domestic payment services may include ACH, Fedwire, Interac, EFT, Nigerian Bank Transfer, Faster Payments, BACS, SEPA Instant, or SEPA Credit, depending on the applicable jurisdiction.

Domestic Transfers are processed in accordance with the rules of the relevant payment network and may be subject to cut-off times, banking hours, weekends, public holidays, and regulatory reviews.

8.4 International Transfers

International Transfers are payments sent across national borders using supported international payment networks.

Depending on the destination country and currency, international Transfers may pass through one or more intermediary financial institutions before reaching the recipient.

Accordingly, international Transfers may be subject to:

• additional verification requirements
• intermediary bank processing
• foreign regulatory reviews
• correspondent banking processes
• foreign exchange conversion
• local banking practices
• recipient institution requirements

Processing times may therefore vary between countries and cannot always be guaranteed.

8.5 Recipient Information

You are responsible for ensuring that all recipient information is complete, accurate, and up to date before authorizing a Transfer.

This includes, where applicable:

• the recipient's name
• account number or IBAN
• routing or sort code
• SWIFT/BIC code
• payment reference
• destination currency
• any additional information required by the relevant payment network

Yousewire may rely entirely on the information you provide when processing a Transfer.

We are not responsible for delays, failed payments, or payments sent to the wrong recipient where the information supplied by you was inaccurate or incomplete.

8.6 Transfer Authorization

A Transfer is deemed authorized once you confirm the transaction using the authentication methods required by the Platform.

By authorizing a Transfer, you confirm that:

• you are entitled to use the funds being transferred
• the recipient information is accurate
• the purpose of the Transfer is lawful
• you have reviewed the quoted Fees and exchange rate (where applicable)
• you wish Yousewire to proceed with processing the transaction

Once a Transfer has entered the payment network, it may not be possible to cancel or amend it.

8.7 Transfer Processing

After a Transfer has been authorized, Yousewire will use reasonable efforts to process the transaction promptly.

The actual completion time depends on several factors, including:

• the payment network used
• the recipient financial institution
• intermediary institutions
• compliance reviews
• banking hours
• public holidays
• destination country
• circumstances beyond Yousewire's reasonable control

Estimated processing times displayed within the Platform are indicative only and should not be interpreted as guaranteed settlement times.

8.8 Compliance and Security Reviews

Every Transfer is subject to ongoing compliance and fraud monitoring.

Before, during, or after processing a Transfer, Yousewire may conduct reviews reasonably necessary to comply with Applicable Law, manage risk, protect users, or safeguard the integrity of the Platform.

These reviews may include verification of:

• the identity of the sender
• the identity of the recipient where required
• the purpose of the transaction
• the source of funds
• sanctions screening
• politically exposed person (PEP) screening
• adverse media screening
• unusual transaction activity
• any additional checks required by law or our compliance framework

Where additional information is required, processing may be delayed until the review has been completed.

8.9 Transfer Limits

Transfer limits may vary depending on:

• your verification status
• account type
• Premium Tier status
• the payment network used
• the destination country
• applicable regulatory requirements

Yousewire's risk management framework.

Current limits are displayed within the Platform where applicable.

Yousewire may revise transaction limits from time to time to reflect operational, regulatory, or commercial considerations.

8.10 Returned Transfers

A Transfer may be returned or rejected for reasons beyond Yousewire's control.

Examples include:

• incorrect recipient information
• closed or invalid recipient accounts
• rejection by the recipient institution
• compliance restrictions
• sanctions screening
• payment network rules
• regulatory intervention
• technical failures affecting third-party payment systems

Where funds are returned to Yousewire, we will credit the returned amount to the appropriate Wallet after deducting any Fees or charges imposed by payment networks, intermediary institutions, or other third parties, where applicable.

8.11 Failed Transfers

Occasionally, a Transfer may fail before settlement is completed.

Where a failed Transfer results in funds remaining under Yousewire's control, the funds will ordinarily be returned to the originating Wallet after any necessary reconciliation and compliance reviews have been completed.

Where the failure occurs after funds have entered an external payment network, the timing of any return depends on the procedures of the relevant financial institutions and payment networks.

8.12 Transfer Errors

If Yousewire reasonably determines that a Transfer has been processed incorrectly due to a technical, operational, or administrative error, we may take reasonable steps to investigate and correct the error.

This may include:

• reversing the transaction where possible
• recovering funds sent in error
• crediting or debiting the appropriate Wallet
• working with recipient institutions
• making any other adjustment reasonably necessary to restore the correct position

Where permitted by law, Yousewire will notify affected users of material corrections.

8.13 Transfer Records

A record of completed Transfers will be made available through your Account.

Transaction records may include the transfer amount, applicable currency, recipient details (where appropriate), transaction reference, processing status, applicable Fees, exchange rate (where relevant), and the date and time of processing.

You should review your transaction history regularly and notify Yousewire promptly if you believe a Transfer has been processed incorrectly or if you identify any unauthorized activity.

8.14 Our Commitment

Yousewire is committed to processing Transfers accurately, securely, and efficiently.

While we work closely with regulated payment infrastructure partners and financial institutions to provide reliable payment services, certain aspects of payment processing remain outside our direct control.

Accordingly, Yousewire cannot guarantee that every Transfer will be completed within a specific timeframe or without interruption. However, we will use commercially reasonable efforts to process authorized Transfers promptly, keep you informed of material issues where appropriate, and work with our partners to resolve payment issues as efficiently as reasonably possible.

9. Compliance, Verification and Financial Crime Prevention

9.1 Our Regulatory Responsibilities

Yousewire operates within a highly regulated financial services environment.

As a registered Money Services Business in Canada, we are required to comply with applicable anti-money laundering, anti-terrorist financing, sanctions, fraud prevention, privacy, and other financial crime laws.

These obligations help protect our customers, the financial system, and the integrity of the Platform.

Accordingly, Yousewire cannot process every transaction solely based on customer instructions. In certain circumstances, we are legally required to verify information, delay transactions, request additional documentation, restrict Services, or refuse to process a transaction.

These obligations are imposed by law and form an essential part of your relationship with Yousewire.

9.2 Identity Verification

Before providing regulated financial services, Yousewire must establish the identity of its customers.

Verification requirements vary depending on the Services you use, your jurisdiction, your transaction activity, and applicable regulatory requirements.

Verification may occur:

• when you register
• before particular Services become available
• during your relationship with Yousewire
• whenever additional verification becomes necessary

Completion of identity verification does not remove Yousewire's obligation to conduct ongoing monitoring throughout the duration of your Account.

9.3 Business Verification

Business Accounts are subject to Know Your Business (KYB) verification.

Business verification is intended to confirm the legal existence of the business, identify its ownership and control structure, and satisfy applicable regulatory obligations.

As part of this process, Yousewire may request information regarding:

• the business
• directors
• shareholders
• beneficial owners
• controlling persons
• authorized representatives
• business activities
• supporting corporate documentation

Business verification may also include ongoing reviews throughout the business relationship.

9.4 Ongoing Monitoring

Financial crime risks evolve continuously.

Accordingly, Yousewire conducts ongoing monitoring of customer relationships and transaction activity.

Monitoring helps identify activity that may indicate fraud, money laundering, terrorist financing, sanctions evasion, identity theft, account compromise, or other unlawful conduct.

Monitoring is conducted using a combination of automated systems and manual review by appropriately trained personnel.

Monitoring may occur before, during, or after any transaction.

9.5 Enhanced Due Diligence

Certain customers, products, transactions, industries, or jurisdictions may require Enhanced Due Diligence ("EDD").

EDD enables Yousewire to better understand the nature of the customer relationship and to satisfy heightened regulatory expectations.

Where EDD applies, Yousewire may request additional information, including information relating to:

• source of funds
• source of wealth
• occupation or business activities
• expected transaction behaviour
• beneficial ownership
• supporting documentation
• any other information reasonably required under Applicable Law

Failure to complete EDD may limit your ability to access particular Services, including Premium Tier.

9.6 Premium Tier Verification

Premium Tier is available only to customers who satisfy Yousewire's enhanced eligibility requirements.

Qualification may require successful completion of Enhanced Due Diligence together with any additional compliance reviews considered appropriate by Yousewire.

Premium Tier approval remains subject to ongoing monitoring and may be withdrawn where regulatory, legal, operational, or risk considerations require.

Approval for Premium Tier does not exempt customers from future compliance reviews.

9.7 Source of Funds and Source of Wealth

To comply with Applicable Law, Yousewire may request information concerning the origin of funds used through the Platform or the source of a customer's overall wealth.

Requests for this information do not imply wrongdoing.

They form part of standard regulatory obligations applicable to financial institutions and regulated payment service providers.

You agree to provide accurate and complete information when reasonably requested.

9.8 Sanctions and Politically Exposed Persons

Yousewire screens customers, businesses, transactions, and other relevant information against applicable sanctions lists and other legally required screening databases.

Where required by Applicable Law or our compliance framework, Yousewire may also identify whether a customer is a Politically Exposed Person (PEP), a Head of an International Organization (HIO), a family member or close associate of such a person, or otherwise subject to enhanced regulatory scrutiny.

Additional verification or monitoring may be required where these circumstances apply.

9.9 Fraud Prevention

Protecting customers from fraud is a core objective of the Platform.

Yousewire employs a combination of security controls, transaction monitoring, behavioural analysis, identity verification, authentication measures, and fraud detection technologies designed to identify unusual or suspicious activity.

Where we reasonably believe that fraudulent activity may be occurring, we may temporarily delay or restrict access to particular Services while appropriate investigations are completed.

Where appropriate, Yousewire will notify affected users unless doing so would compromise a legal obligation or fraud investigation.

9.10 Requests for Information

From time to time, Yousewire may request additional information in connection with your Account or a particular transaction.

You agree to respond within a reasonable period and to provide information that is complete, accurate, and truthful.

Failure to provide requested information may result in delays, transaction restrictions, suspension of Services, refusal of a transaction, or closure of your Account where required by Applicable Law or these Terms.

9.11 Refusal of Transactions

Yousewire may decline to process a transaction where it reasonably believes that doing so is necessary to:

• comply with Applicable Law
• satisfy regulatory obligations
• protect customers
• prevent fraud or financial crime
• manage operational or reputational risk
• preserve the integrity of the Platform

Where legally permitted, Yousewire will provide information explaining why a transaction could not be processed. However, there may be circumstances in which Applicable Law prohibits disclosure of the specific reason.

9.12 Regulatory Reporting

Applicable Law may require Yousewire to maintain records, report transactions, cooperate with regulatory authorities, or disclose information to competent authorities.

Where disclosure is required by law, court order, regulatory direction, or other legally binding obligation, Yousewire may provide the required information without obtaining additional consent from you.

Nothing in these Terms limits Yousewire's obligation to comply with Applicable Law.

9.13 Our Commitment

Yousewire is committed to balancing regulatory compliance with an excellent customer experience.

We recognize that verification requests, compliance reviews, and transaction monitoring may occasionally result in delays or requests for additional information.

Wherever reasonably practicable, we will communicate clearly, process reviews promptly, and treat every customer fairly and respectfully while fulfilling our legal obligations.

10. Security and Protecting Your Account

10.1 Our Commitment to Security

Protecting customer information, funds, and transactions is fundamental to the operation of the Platform.

Yousewire maintains administrative, technical, and organizational safeguards designed to protect customer information and reduce the risk of fraud, unauthorized access, misuse, alteration, or disclosure.

These safeguards are reviewed periodically and may evolve as technology, regulatory requirements, and industry best practices develop.

Although no technology or communication system can guarantee absolute security, Yousewire is committed to maintaining security measures that are appropriate to the nature of the Services we provide.

10.2 How We Protect the Platform

To help maintain the security and integrity of the Platform, Yousewire may implement security controls including, but not limited to:

• identity verification
• multi-factor authentication
• biometric verification where supported
• device recognition
• transaction monitoring
• behavioural analytics
• fraud detection technologies
• sanctions screening
• encryption of sensitive information
• secure communication protocols
• other security measures that may reasonably be required from time to time

The security measures applied to your Account may vary depending on your transaction activity, account type, verification status, jurisdiction, or assessed level of risk.

10.3 Your Responsibility for Account Security

Security is a shared responsibility.

You are responsible for protecting your Account credentials, authentication methods, and devices used to access the Platform.

You agree to:

• maintain the confidentiality of your password and authentication credentials
• ensure that only you, or authorized users in the case of a Business Account, access your Account
• use the Platform only on trusted devices
• promptly install software and security updates on your devices where reasonably practicable
• immediately notify Yousewire if you suspect unauthorized access or compromise of your Account
• cooperate with reasonable security investigations relating to your Account

You must not knowingly allow another person to access your Account using your credentials.

10.4 Authentication

To protect both customers and the Platform, Yousewire may require authentication before granting access to your Account or permitting particular activities.

Authentication methods may include passwords, one-time passwords (OTP), biometric verification, trusted devices, passkeys, security keys, or any other authentication methods supported by the Platform.

Yousewire may require additional authentication where unusual activity, elevated fraud risk, regulatory requirements, or other security considerations make additional verification reasonably necessary.

10.5 Security Notifications

Where appropriate, Yousewire may notify you of security-related events affecting your Account.

Examples include:

• sign-in from a new device
• password changes
• recovery of account access
• changes to security settings
• unusual transaction activity
• creation of a Virtual Account
• significant account updates
• other security events considered material by Yousewire

These notifications are intended to help you identify unauthorized activity promptly.

10.6 Unauthorized Activity

If you believe that your Account, authentication credentials, or devices have been compromised, you must notify Yousewire immediately.

Upon receiving such notification, Yousewire may take reasonable protective measures, including:

• temporarily restricting access to your Account
• delaying pending transactions
• requiring additional identity verification
• resetting authentication credentials
• taking any other reasonable action necessary to protect your Account or the Platform

Prompt reporting significantly improves the likelihood of preventing further unauthorized activity.

10.7 Availability of the Platform

Yousewire aims to make the Platform available whenever reasonably practicable.

However, uninterrupted availability cannot be guaranteed.

Temporary interruptions may occur because of:

• scheduled maintenance
• emergency maintenance
• upgrades
• payment network outages
• telecommunications failures
• cyber incidents
• third-party service interruptions
• natural disasters
• circumstances beyond Yousewire's reasonable control

Where reasonably practicable, planned maintenance affecting customer access will be communicated in advance.

10.8 Business Continuity

Yousewire maintains operational procedures designed to support the continuity of critical services during unexpected events.

These procedures are periodically reviewed and updated to reflect changes in technology, regulatory expectations, and operational requirements.

Despite these measures, certain disruptions may temporarily affect the availability or processing of Services.

10.9 Security Investigations

Where Yousewire reasonably believes that an Account or transaction presents an elevated security risk, we may conduct investigations necessary to protect customers, the Platform, and the financial system.

Security investigations may involve temporary restrictions on particular Services while the investigation is completed.

Where permitted by Applicable Law, Yousewire will communicate with affected customers throughout the investigation and restore access as soon as reasonably practicable once the relevant concerns have been resolved.

10.10 Customer Cooperation

You agree to cooperate with reasonable requests relating to the security of your Account.

Such requests may include confirming recent activity, verifying transactions, updating authentication methods, or providing information reasonably necessary to investigate suspected fraud or unauthorized access.

Failure to cooperate may result in temporary restrictions designed to protect your Account and comply with Applicable Law.

10.11 Our Commitment

Yousewire recognizes that customers trust us with highly sensitive financial information.

Accordingly, we are committed to continuously improving the security of the Platform, responding promptly to emerging threats, and adopting security practices consistent with the evolving standards of the financial services industry.

Security is not a one-time activity but an ongoing commitment shared by Yousewire and every customer using the Platform.

11. Fees, Pricing and Transparency

This chapter is extremely important because it governs how Yousewire makes money.

Instead of trying to hide pricing inside legal wording, I want Yousewire to stand for transparency.

11.1 Our Pricing Philosophy

Yousewire believes that customers should understand the cost of a financial transaction before deciding whether to proceed.

Accordingly, wherever reasonably practicable, the Platform will display the material financial information relating to a transaction before you authorize it.

Depending on the Service being used, this information may include the exchange rate, applicable Fees, estimated delivery time, payment method, destination amount, or any other information reasonably necessary to help you make an informed decision.

By confirming a transaction, you acknowledge that you have reviewed and accepted the commercial terms presented to you at the time of authorization.

11.2 Types of Fees

The Services offered through the Platform may be subject to Fees.

Depending on the transaction, Fees may include service fees, payment network charges, exchange rate spreads, fixed charges, percentage-based charges, intermediary institution fees, or other costs associated with processing the transaction.

Certain Services may not attract Fees.

Current pricing applicable to each Service is published in the Fees & Pricing Policy and displayed within the Platform before you authorize a transaction where reasonably practicable.

11.3 Exchange Rates

Where a transaction involves Currency Exchange, Yousewire will display the exchange rate applicable to that transaction before you confirm it.

The exchange rate presented may include Yousewire's commercial pricing, payment network costs, negotiated pricing arrangements, or any other pricing adjustments applicable to your Account.

Exchange rates fluctuate continuously and may change until a quotation is accepted.

Once a quotation has expired, a revised quotation may be required before the transaction can proceed.

11.4 Third-Party Charges

Certain transactions involve financial institutions, correspondent banks, payment networks, or other third parties that operate independently of Yousewire.

These organizations may deduct charges or impose Fees over which Yousewire has no direct control.

Where such deductions occur, the amount ultimately received by the beneficiary may differ from the amount originally instructed.

Yousewire will make reasonable efforts to identify known third-party charges where possible but cannot guarantee the amount charged by independent institutions.

11.5 Negotiated Pricing

Yousewire recognizes that different customers have different transaction requirements.

Accordingly, eligible customers, including businesses, enterprise customers, strategic partners, and customers processing significant transaction volumes, may qualify for customized commercial arrangements.

These arrangements may include negotiated exchange rates, reduced Fees, increased transaction limits, dedicated settlement arrangements, or other commercial terms agreed between Yousewire and the customer.

Eligibility for negotiated pricing is determined solely by Yousewire and may be reviewed periodically.

Unless otherwise agreed in writing, negotiated pricing arrangements may be amended or withdrawn upon reasonable notice.

11.6 Taxes

Unless expressly stated otherwise, Fees displayed through the Platform do not include taxes that Yousewire is legally required to collect.

Where taxes apply, they will be calculated in accordance with Applicable Law and disclosed before the transaction is completed where reasonably practicable.

You remain responsible for any personal tax obligations arising from your use of the Platform.

Yousewire does not provide tax advice.

11.7 Refund of Fees

Fees paid in connection with successfully completed Services are generally non-refundable.

However, Yousewire may refund all or part of a Fee where:

• the transaction could not be completed because of an error attributable to Yousewire
• Applicable Law requires a refund

Yousewire otherwise determines that a refund is appropriate.

Third-party charges already incurred may not be recoverable and therefore may not form part of any refund.

11.8 Promotional Pricing

From time to time, Yousewire may offer promotional pricing, discounted Fees, introductory exchange rates, referral incentives, or other commercial promotions.

Unless expressly stated otherwise, promotional offers:

• are temporary
• may be withdrawn or modified
• may be subject to eligibility requirements
• cannot be combined with other commercial arrangements unless expressly permitted

11.9 Pricing Errors

Although Yousewire takes reasonable care when displaying pricing information, technical or operational errors may occasionally occur.

Where a transaction has been quoted or processed using pricing that is clearly incorrect because of a manifest system error, Yousewire reserves the right, to the extent permitted by Applicable Law, to correct the error before settlement or, where necessary, after settlement.

Where reasonably practicable, affected customers will be informed of any material correction unless doing so would compromise legal or regulatory obligations.

11.10 Changes to Fees

As the Platform evolves, Fees and pricing may change to reflect:

• changes in payment network costs
• regulatory requirements
• market conditions
• new products or services
• commercial considerations
• changes introduced by our regulated payment infrastructure partners

Updated pricing will be published in the Fees & Pricing Policy and, where required by Applicable Law, Yousewire will provide reasonable notice before material pricing changes become effective.

11.11 Our Commitment to Transparency

Transparency is a core principle of the Platform.

Yousewire is committed to presenting pricing in a manner that is clear, understandable, and designed to help customers make informed financial decisions.

Wherever reasonably practicable, customers will have the opportunity to review the financial terms of a transaction before authorizing it.

12. Your Responsibilities and Acceptable Use

12.1 A Shared Responsibility

Yousewire is committed to providing a secure, transparent, and reliable financial platform. Maintaining the integrity of the Platform requires cooperation between Yousewire and every customer who uses our Services.

By using the Platform, you agree to act honestly, lawfully, and in good faith. You are responsible for ensuring that your use of the Services complies with these Terms, Applicable Law, and any additional policies or product-specific terms that apply to your Account.

12.2 Accurate Information

You agree that all information you provide to Yousewire will be complete, accurate, current, and truthful.

You must not knowingly provide false, misleading, incomplete, or fraudulent information during registration, verification, transaction processing, or at any other time while using the Platform.

If any information associated with your Account changes, you agree to update it promptly or notify Yousewire where an update cannot be made through the Platform.

12.3 Lawful Use of the Platform

You may use the Platform only for lawful purposes.

You agree not to use the Services in any manner that would:

• violate Applicable Law
• facilitate fraud or financial crime
• infringe the rights of another person
• interfere with the operation or security of the Platform
• expose Yousewire, its customers, or its regulated payment infrastructure partners to unacceptable legal, operational, financial, or reputational risk

Your use of the Platform is also subject to the Acceptable Use Policy, which forms part of these Terms.

12.4 Acting on Your Own Behalf

Unless expressly permitted by Yousewire in writing, you must use your Account only on your own behalf or, in the case of a Business Account, on behalf of the registered business.

You must not permit another person to operate your Account using your identity or authentication credentials.

Where you are acting on behalf of another person or entity with Yousewire's approval, you represent and warrant that you have the legal authority to do so.

12.5 Ownership of Funds

You may only use the Platform to receive, hold, exchange, or transfer funds that you are legally entitled to use.

You represent and warrant that all funds received into or transferred through your Account are derived from lawful activities and that you have all necessary rights and authority to use those funds.

Nothing in these Terms prevents Yousewire from requesting additional information regarding the ownership or origin of funds where required by Applicable Law.

12.6 First-Party and Third-Party Funding

Where reasonably practicable, customers should fund their Wallets using payment methods held in their own name.

If you expect to receive funds from another individual or business, you acknowledge that additional compliance requirements may apply.

Where Third-Party Funding approval is required, you agree to complete the applicable Whitelisting process before the funds are sent.

If Third-Party Funding is received from an unapproved sender, Yousewire may place the funds on a Temporary Compliance Hold while the necessary verification is completed.

You acknowledge that this process is intended to protect both you and the integrity of the Platform and does not necessarily indicate that the transaction is suspicious.

12.7 Cooperating with Compliance Requests

You agree to cooperate with reasonable requests for information made by Yousewire in connection with your Account or any transaction.

Such requests may relate to identity verification, business verification, source of funds, source of wealth, transaction purpose, recipient information, or any other matter reasonably necessary to satisfy Applicable Law or protect the Platform.

Failure to respond within a reasonable time may affect the availability of particular Services or delay the processing of transactions.

12.8 Keeping Your Account Secure

You are responsible for maintaining the confidentiality of your authentication credentials and for taking reasonable steps to prevent unauthorized access to your Account.

You agree not to share passwords, one-time passwords, authentication codes, passkeys, recovery information, or other security credentials with another person.

Where you become aware of unauthorized activity, you must notify Yousewire without undue delay.

12.9 Prohibited Activities

Certain activities are not permitted on the Platform because they expose customers, financial institutions, or the wider financial system to unacceptable risk.

Examples include fraud, money laundering, terrorist financing, sanctions evasion, identity theft, operation of prohibited businesses, misuse of payment networks, or any other activity prohibited by Applicable Law.

A more comprehensive description of prohibited activities is contained in the Acceptable Use Policy, which forms part of these Terms.

12.10 Intellectual Property and Platform Integrity

You agree not to interfere with, disrupt, damage, reverse engineer, or otherwise attempt to gain unauthorized access to the Platform or its underlying technology.

You must not use automated systems, malicious software, bots, scripts, or other technologies to access or interact with the Platform except where expressly authorized by Yousewire.

Nothing in these Terms grants ownership of Yousewire's intellectual property, software, trademarks, designs, documentation, or other proprietary materials.

12.11 Communications with Yousewire

You agree to communicate with Yousewire and its employees respectfully and in good faith.

Threatening, abusive, discriminatory, or unlawful conduct directed toward Yousewire employees, contractors, representatives, or other customers may result in restrictions on your use of the Platform in addition to any other remedies available under these Terms or Applicable Law.

This clause does not limit your right to raise complaints, dispute transactions, or seek remedies available under Applicable Law.

12.12 Our Expectations

Yousewire's objective is to provide financial services that are accessible, secure, and trusted.

By using the Platform responsibly and cooperating with reasonable compliance and security requirements, you help us maintain a safe environment for all customers.

We are committed to treating every customer fairly and expect our customers to demonstrate the same standard of honesty, transparency, and respect when using the Platform.

13. Suspension, Restrictions and Termination

13.1 Our Commitment

Yousewire's objective is to provide uninterrupted access to the Platform whenever it is reasonably practicable to do so.

Suspending or restricting access to a customer's Account is never our preferred outcome. Wherever possible, we will work with customers to resolve issues through communication, additional verification, or other reasonable measures before taking action.

However, because Yousewire operates within a regulated financial environment, there are circumstances where we must restrict or suspend Services to comply with Applicable Law, protect customers, or preserve the integrity of the Platform.

13.2 Temporary Restrictions

Yousewire may temporarily restrict some or all Services associated with your Account where reasonably necessary to:

• complete a compliance review
• investigate suspected fraud
• verify your identity or business information
• investigate unusual transaction activity
• comply with Applicable Law
• respond to a lawful request from a regulator or competent authority
• investigate a reported security incident
• protect your Account from unauthorized access
• protect the Platform from misuse

A temporary restriction does not necessarily indicate that you have breached these Terms or engaged in unlawful activity.

13.3 Temporary Compliance Holds

In certain circumstances, funds received into or held within your Account may be placed on a Temporary Compliance Hold.

Examples include:

• unapproved Third-Party Funding
• incomplete compliance reviews
• verification of the source of funds
• verification of the intended recipient
• sanctions screening
• fraud prevention measures
• other legal or regulatory requirements

While a Temporary Compliance Hold is in place, the affected funds may not be available for withdrawal, Currency Exchange, Funding, or Transfer until the relevant review has been completed.

Where reasonably permitted by Applicable Law, Yousewire will inform you if additional information is required.

13.4 Suspension of Services

Yousewire may suspend access to particular Services where it reasonably believes that suspension is necessary to:

• comply with Applicable Law
• protect customers
• prevent financial crime
• protect the security or integrity of the Platform
• investigate suspected breaches of these Terms
• manage legal, financial, operational, or reputational risk
• respond to circumstances beyond Yousewire's reasonable control

Where reasonably practicable, any suspension will be limited to the affected Service rather than your entire Account.

13.5 Closure of Your Account

You may request closure of your Account at any time, provided that:

• there are no pending transactions
• there are no unresolved compliance reviews
• all applicable Fees have been paid
• no legal obligation requires Yousewire to retain or restrict the Account
• any remaining balance has been transferred in accordance with these Terms

Closure of your Account does not automatically remove records that Yousewire is required to retain under Applicable Law.

13.6 Closure by Yousewire

Yousewire may terminate your Account where:

• you no longer satisfy our eligibility requirements
• you materially breach these Terms
• you repeatedly breach our policies
• Applicable Law requires termination
• continued provision of the Services would expose Yousewire or its partners to unacceptable legal, regulatory, operational, financial, or reputational risk
• our relationship with you can no longer reasonably continue

Where permitted by Applicable Law, Yousewire will provide notice before terminating your Account.

However, immediate termination may occur where advance notice would be unlawful or would compromise fraud prevention, financial crime investigations, regulatory obligations, or Platform security.

13.7 Effect of Termination

Termination of your Account does not affect:

• obligations that arose before termination
• completed transactions
• unpaid Fees
• ongoing investigations
• record retention obligations
• dispute resolution procedures
• any provisions of these Terms that are intended to survive termination

Where applicable, any remaining eligible funds will be handled in accordance with Applicable Law, these Terms, and Yousewire's legal obligations.

13.8 Dormant Accounts

An Account does not automatically expire solely because it has not been used for an extended period.

However, where an Account or a particular Service remains inactive for a prolonged period, Yousewire may:

• request updated verification information
• require renewed identity verification
• deactivate unused Virtual Accounts
• suspend Services that are no longer supported
• take other reasonable measures necessary to maintain the integrity of the Platform

Customers will be notified where reasonably practicable before material changes affecting dormant Accounts.

13.9 Our Commitment to Fair Treatment

Whenever reasonably practicable, Yousewire seeks to apply restrictions, suspensions, and terminations in a manner that is proportionate to the circumstances.

Our objective is to protect customers, comply with Applicable Law, and maintain the integrity of the Platform while minimizing unnecessary disruption to legitimate users.

14. Liability and Limitation of Liability

14.1 Our Standard of Care

Yousewire is committed to providing its Services with reasonable care, skill, diligence, and professionalism.

We continually invest in technology, compliance, security, and operational resilience to support reliable financial services.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Applicable Law.

14.2 Circumstances Beyond Our Control

Financial transactions often depend on payment networks, correspondent banks, financial institutions, telecommunications providers, internet infrastructure, regulators, and other third parties over whom Yousewire has no direct control.

Accordingly, Yousewire is not responsible for delays, interruptions, or failures caused solely by circumstances beyond our reasonable control, including:

• payment network outages
• banking system failures
• regulatory intervention
• telecommunications failures
• cyberattacks affecting third-party infrastructure
• natural disasters
• labour disputes
• war
• civil unrest
• government action
• other force majeure events

Where reasonably practicable, Yousewire will make reasonable efforts to minimize the impact of such events and keep affected customers informed.

14.3 Accuracy of Information

Yousewire relies on the information provided by customers when processing transactions.

We are not responsible for losses arising directly from inaccurate, incomplete, outdated, or misleading information supplied by you, including incorrect recipient details, payment instructions, account information, or supporting documentation.

14.4 Unauthorized Use

You are responsible for safeguarding your authentication credentials and devices.

Subject to Applicable Law, Yousewire will not be responsible for losses resulting from unauthorized access where such access occurred because you failed to take reasonable steps to protect your Account or promptly report suspected compromise.

Nothing in this section limits any rights you may have under Applicable Law where the loss resulted from Yousewire's negligence or failure to maintain appropriate security measures.

14.5 Indirect Losses

To the maximum extent permitted by Applicable Law, Yousewire is not liable for indirect, incidental, consequential, exemplary, punitive, or special damages, including loss of profit, loss of business opportunity, loss of goodwill, or loss of anticipated savings arising from your use of the Platform.

This limitation does not apply where Applicable Law prohibits such exclusions.

14.6 Maximum Liability

Where Yousewire is found liable for a loss arising directly from our breach of these Terms or our negligence, our liability will be limited to the direct loss actually suffered by you, subject to any limitations or rights provided under Applicable Law.

Nothing in these Terms excludes liability for fraud, wilful misconduct, gross negligence where applicable, or any liability that cannot lawfully be limited.

14.7 Your Responsibility

You remain responsible for decisions you make when using the Platform, including the selection of recipients, transaction amounts, currencies, payment methods, and the commercial purpose of your transactions.

Yousewire provides financial technology services but does not provide investment, tax, accounting, legal, or financial advice.

Where you require professional advice, you should consult an appropriately qualified adviser.

14.8 Fair Allocation of Risk

These Terms allocate responsibilities between Yousewire and its customers in a manner intended to reflect the nature of the Services, the regulatory environment, and the risks that each party is reasonably able to control.

Both Yousewire and its customers agree to act honestly, reasonably, and in good faith in performing their respective obligations under these Terms.

15. Privacy and Confidentiality

15.1 Protecting Your Information

Yousewire recognizes that the personal and financial information entrusted to us is highly sensitive.

Protecting that information is fundamental to maintaining your trust and to fulfilling our legal and regulatory obligations.

We collect, use, disclose, store, and protect personal information in accordance with Applicable Law and our Privacy Policy.

Our Privacy Policy forms part of these Terms and explains in greater detail:

• the information we collect
• why we collect it
• how we use it
• when we share it
• how long we retain it
• your privacy rights
• how you may contact us regarding privacy-related matters

15.2 Consent

By using the Platform, you consent to the collection, use, disclosure, and retention of your personal information as described in these Terms and the Privacy Policy.

Where Applicable Law requires additional consent for particular processing activities, Yousewire will obtain that consent separately.

You may withdraw certain consents where permitted by Applicable Law, although doing so may affect our ability to provide some or all Services.

15.3 Confidentiality

Yousewire treats customer information as confidential and will not disclose your personal or business information except:

• where disclosure is required or permitted by Applicable Law
• where disclosure is necessary to provide the Services
• where disclosure is necessary to protect Yousewire, our customers, or the integrity of the Platform
• where you have authorized the disclosure
• as otherwise described in our Privacy Policy

15.4 Communications

By maintaining an Account, you agree that Yousewire may communicate with you regarding your Account, transactions, security, regulatory matters, product updates, and other operational matters using electronic communications.

Operational and security-related communications form part of the Services and cannot be opted out of while your Account remains active.

Marketing communications will be sent only in accordance with Applicable Law and your communication preferences.

15.5 Data Retention

Yousewire retains customer information only for as long as reasonably necessary to:

• provide the Services
• comply with Applicable Law
• satisfy regulatory obligations
• resolve disputes
• enforce these Terms
• protect the legitimate interests of Yousewire and its customers

Additional information regarding retention periods is available in the Privacy Policy.

16. Intellectual Property

16.1 Ownership

The Platform, including its software, applications, website, user interface, documentation, trademarks, logos, graphics, designs, text, databases, technology, and other materials, is owned by or licensed to Yousewire and is protected by applicable intellectual property laws.

Nothing in these Terms transfers ownership of Yousewire's intellectual property to you.

16.2 Limited Licence

Subject to these Terms, Yousewire grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for its intended purpose.

This licence terminates automatically upon closure or termination of your Account.

16.3 Restrictions

Except where expressly permitted by Applicable Law or with Yousewire's prior written consent, you must not:

• copy, modify, distribute, or reproduce any part of the Platform
• reverse engineer, decompile, or disassemble the Platform
• create derivative works
• use the Platform to develop competing services
• remove copyright, trademark, or proprietary notices

16.4 Feedback

If you voluntarily provide feedback, suggestions, ideas, or recommendations relating to the Platform, Yousewire may use that feedback without restriction or compensation, provided that such use does not disclose your confidential information or personal information except as permitted by Applicable Law.

17. Complaints and Dispute Resolution

17.1 Our Commitment

Yousewire values customer feedback and is committed to resolving complaints fairly, transparently, and as promptly as reasonably practicable.

Most concerns can be resolved quickly by contacting our Customer Support team.

17.2 Complaints

If you are dissatisfied with any aspect of the Services, you may submit a complaint using the procedures described in the Complaints Handling Policy.

The Complaints Handling Policy explains:

• how to submit a complaint
• expected response times
• escalation procedures
• complaint investigations
• available remedies

17.3 Working Together

Before commencing formal legal proceedings, both you and Yousewire agree to make reasonable efforts to resolve disputes through good faith discussions.

Nothing in this section prevents either party from taking urgent action where immediate legal relief is reasonably necessary.

17.4 Regulatory Complaints

Nothing in these Terms limits your right to contact an applicable regulator, privacy authority, consumer protection agency, or other competent authority where permitted by Applicable Law.

18. Governing Law and Dispute Resolution

18.1 Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

18.2 Jurisdiction

Subject to the arbitration provisions below, the courts of Ontario, Canada have exclusive jurisdiction over disputes arising from these Terms.

18.3 Arbitration

Where permitted by Applicable Law, any dispute arising out of or relating to these Terms that cannot be resolved through good faith discussions may be referred to confidential and binding arbitration administered in Ontario, Canada, in accordance with the applicable arbitration rules agreed by the parties or, failing agreement, the rules prescribed by Applicable Law.

Nothing in this section prevents either party from seeking interim or injunctive relief where reasonably necessary to protect legal rights pending final resolution.

Nothing in this section limits any statutory rights that cannot legally be waived.

19. Miscellaneous

19.1 Entire Agreement

These Terms, together with all policies and agreements incorporated by reference, constitute the entire agreement between you and Yousewire regarding your use of the Platform.

19.2 Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect to the maximum extent permitted by Applicable Law.

19.3 No Waiver

Failure by Yousewire to exercise or enforce any right under these Terms does not constitute a waiver of that right.

19.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without Yousewire's prior written consent.

Yousewire may assign or transfer its rights and obligations where reasonably necessary in connection with a corporate reorganization, merger, acquisition, sale of assets, financing transaction, or other lawful business arrangement, provided that your rights under these Terms are not materially diminished.

19.5 Survival

Any provision of these Terms that by its nature is intended to survive termination, including provisions relating to liability, privacy, compliance, intellectual property, dispute resolution, record retention, and payment obligations, will continue after termination of your Account.

19.6 Force Majeure

Yousewire will not be liable for any failure or delay in performing its obligations under these Terms where the failure or delay results from circumstances beyond its reasonable control, including natural disasters, war, terrorism, cyber incidents affecting critical infrastructure, labour disputes, widespread telecommunications failures, governmental actions, or failures of third-party payment systems.

19.7 Contact Information

If you have questions regarding these Terms or the Services, you may contact:

Yousewire Canada Inc.

Customer Support
Email: support@yousewire.com

Compliance
Email: compliance@yousewire.com

Privacy Officer
Email: privacy@yousewire.com

Website: www.yousewire.com

Additional contact information may be published within the Platform from time to time.

20. Final Acknowledgement

By creating an Account or continuing to use the Platform, you acknowledge that:

• you have read and understood these Terms
• you agree to be legally bound by them
• you understand that additional policies govern specific Services
• you will comply with Applicable Law when using the Platform
• you understand that Yousewire operates within a regulated financial services environment and may take actions necessary to satisfy its legal and regulatory obligations