1. Scope and acceptance
These Terms of Service govern access to the public website, demonstrations, documentation, and enquiry facilities of FinLinks Payment Inc. (“FinLinks”, “we”, “us”, or “our”). Please read these Terms before using those facilities. By submitting an enquiry or using an interactive demonstration after being presented with these Terms, you agree to the provisions applicable to that activity, to the extent permitted by law.
These Terms do not themselves create a production service agreement, banking relationship, agency relationship, or obligation to provide financial services. A separate service agreement is required. Service activation requires completion of the applicable onboarding and compliance requirements and all registrations required for the relevant activities. If a signed service agreement conflicts with these Terms, that agreement governs the contracted services to the extent of the conflict.
2. Company and regulatory information
FinLinks Payment Inc. is located at Suite 750, 2 Robert Speck Parkway, Mississauga, Ontario L4Z 1H8, Canada, in the Greater Toronto Area.
FINTRAC MSB Registration No.: N300002252. Registration with the Financial Transactions and Reports Analysis Centre of Canada does not constitute FINTRAC endorsement or licensing. Registration does not establish that FINTRAC has approved our commercial terms, technology, financial condition, or individual transactions.
FINTRAC registration does not establish registration under the Retail Payment Activities Act. These Terms do not represent that FinLinks is registered with, licensed by, or endorsed by the Bank of Canada. Regulatory obligations depend on the activities actually performed and applicable law; descriptions such as “non-custodial” do not, by themselves, establish an exemption.
3. Non-custodial payment orchestration and provider responsibilities
Subject to activation, FinLinks Payment Inc. coordinates authorized B2B payment instructions, foreign exchange and reconciliation through approved financial institutions and payment partners. The proposed services operate on a non-custodial, in-transit basis. They do not provide deposits, stored value or reusable client balances. FinLinks is not a bank or deposit-taking institution.
Underlying clearing, settlement, receipt of funds, foreign exchange execution, and payment execution are performed by appropriately licensed or otherwise authorized partner financial institutions or financial service providers identified in the applicable agreements. Providers are responsible for the financial services they undertake under their agreements and applicable law. Their onboarding decisions, fees, eligibility requirements, funding instructions and execution conditions are governed by their documentation.
Payment processing is subject to the applicable MSA and designated institutional funding instructions. Partner execution does not displace FinLinks’ responsibilities under the applicable MSA or mandatory law.
4. Business eligibility and access
The website is directed to business users. You must be at least the age of majority applicable to you and have authority to provide business information or act for the organization you represent. An enquiry does not grant platform access or guarantee eligibility for any currency, corridor, account arrangement, or financial service.
Service activation requires completion of the applicable onboarding and compliance requirements and all registrations required for the relevant activities. Required information and the secure method for supplying it will be communicated separately. Do not submit identification documents, bank credentials, account numbers, or confidential payment instructions through the public contact form.
5. Samples, estimates, and documentation
Interfaces labelled “Sample data”, “Sample calculation”, “Product preview”, or “API design preview” are illustrative. Rates in the estimator are fixed examples; estimated amounts exclude fees unless expressly stated. Samples do not constitute executable quotes, commitments to transact, guarantees of delivery time, or representations of current corridor availability.
The API example uses a documentation-only .example domain. Running the sample generates a local response and does not initiate a payment. Internal approval, provider-reported payment status, and a reconciliation match describe different events. Neither approval nor a record match establishes final settlement.
Production API specifications and available features must be confirmed through the applicable agreement and documentation. Do not rely on preview code for production funds movement, security controls, or financial decisions.
6. Enquiries and electronic communications
When submitting the contact form, provide accurate information that you are authorized to share. The form sends an enquiry to our own /api/contact endpoint. The backend uses Resend to send an email to support@finlinkspay.ca; service availability depends on the deployed backend.
A successful on-page confirmation means that our backend confirmed acceptance for sending. It does not guarantee delivery to an inbox, a response time, or approval of platform access. If submission cannot be confirmed, your request may still have reached the server. Avoid sending duplicate enquiries.
The fallback email link opens a draft in your own email application. You must review and send that draft yourself. Opening a draft or copying an email address does not send a message. You authorize communications reasonably necessary to respond to your enquiry; this does not subscribe you to marketing emails. Our Privacy Policy explains related information handling.
7. Acceptable use
You must not use the website or services for unlawful activity, sanctions evasion, fraud, money laundering, unauthorized access, or the submission of malicious code. You must not impersonate another person, submit information without authority, interfere with service operation, circumvent access controls, scrape personal information, or use automated requests to overload our systems.
Do not use demonstrations to process real transactions or expose confidential information. We may restrict access or investigate activity reasonably believed to threaten security, violate these Terms, or breach applicable law, subject to any separate service agreement and non-excludable legal obligations.
8. Intellectual property and submitted content
The website, branding, interface designs, and documentation are owned by FinLinks or its licensors and are protected by applicable intellectual property laws. You may access and use them for lawful business evaluation and, where expressly permitted, integration evaluation. No ownership or broader licence is transferred.
You retain rights in information you submit. You authorize us and service providers acting on our behalf to use that information only as reasonably needed to process the enquiry, provide agreed services, maintain security, or meet legal obligations, as described in our Privacy Policy. This is not a licence to publicly disclose your confidential business information.
9. Third-party services and links
The website may link to government registries, documentation, or other third-party sites and may load technical resources from a content delivery network. Those services operate under their own terms and privacy practices. A link does not imply endorsement or a commercial partnership.
Financial provider terms must be reviewed before using the relevant service. Nothing on this website represents direct participation by FinLinks in a clearing system, deposit insurance for a FinLinks product, or a guarantee of a provider’s performance.
10. Availability, changes, and security
We may update website content and demonstrations or temporarily interrupt access for maintenance, security, or operational reasons. We do not promise uninterrupted access, error-free content, a particular response time, or availability of every displayed feature.
Use suitable security measures on your own devices and systems. Report suspected vulnerabilities or misuse to support@finlinkspay.ca without sending credentials or sensitive customer data. A production service’s support arrangements, security commitments, and service levels must be stated in its separate agreement.
11. Website information and liability
To the extent permitted by applicable law, the public website and demonstrations are provided on an “as available” basis without additional warranties concerning suitability for a particular purpose, uninterrupted availability, or accuracy of sample outputs. Website information is not legal, tax, investment, or accounting advice.
To the extent permitted by law, FinLinks is not liable for indirect, consequential, or special loss arising solely from use of the public website or sample tools, including loss caused by treating an illustrative estimate as an executable quote. Liability relating to contracted production services is addressed in the applicable service agreement.
Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, gross negligence where such exclusion is prohibited, breach of a non-excludable statutory obligation, or any other liability that cannot lawfully be excluded or limited. Nothing limits rights or remedies under applicable privacy, consumer protection, or other mandatory law.
12. Ontario law and dispute resolution
Subject to mandatory laws and rights that cannot be waived, these Terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario. Courts of competent jurisdiction in Ontario have jurisdiction over disputes arising from these Terms, except where applicable law requires otherwise.
Before commencing proceedings, you may contact compliance@finlinkspay.ca so that we can attempt to resolve a concern. This does not prevent urgent relief, suspend a statutory deadline, or restrict your right to contact a regulator or exercise a non-excludable remedy. These Terms do not impose mandatory arbitration or a class-action waiver.
13. Updates and general provisions
We may revise these Terms by posting an updated version and revision date. Material changes apply prospectively and will be brought to your attention where required by law; additional acceptance will be obtained where required. A website update does not unilaterally amend a separately signed service agreement.
If a provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law. Failure to enforce a provision on one occasion is not a waiver. These Terms do not create a partnership, employment relationship, or authority to bind FinLinks or any financial provider.
14. Contact
FinLinks Payment Inc.
Suite 750, 2 Robert Speck Parkway
Mississauga, Ontario L4Z 1H8, Canada
Service enquiries: support@finlinkspay.ca
Business enquiries: business@finlinkspay.ca
Legal and compliance: compliance@finlinkspay.ca