Terms of Service

Effective Date: January 5th, 2024

1. Agreement to Terms

By accessing or using the services of BREINROCK LIMITED ("BREINROCK", "we," "us," or "our"), you agree to these Terms of Service ("Terms"). If you do not agree, you may not use our services.

2. Services Description

BREINROCK provides financial services tailored to corporate and personal clients including:

• Payment services / cross-border payment solutions
• Remittance services for individuals and businesses
• Multi-currency accounts connected to payment networks such as:
  • Interac e-Transfer (Canada)
  • ACH/Fedwire (USA)
  • SWIFT (international)
  • SEPA/IBAN (Europe)
  • FPS/CHAPS (UK)
  • International Payment Networks (IPN)
• Cryptocurrency and digital asset management
• Prepaid (Mastercard) Card Services for individuals and businesses
• BAAS/SAAS services

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Provide accurate and complete information during registration
• Comply with all applicable laws, including AML and CTF regulations

4. Account Management

Account Opening: Requires identity verification and AML/CTF checks.

Account Maintenance: You are responsible for securing your account credentials and reporting unauthorized access immediately.

Fees: Service fees will be disclosed prior to transactions.

Account Closure: You may close your account at any time, subject to settling outstanding obligations.

5. Transactions

Processing: Transactions follow timelines and procedures outlined in our service agreements.

Fees and Limits: Details will be provided before transaction confirmation.

Irreversibility: Some transactions (e.g., cryptocurrency transfers) may be irreversible; we are not liable for losses from user errors.

6. Prohibited Activities

You agree not to: Use our services for illegal purposes (e.g., money laundering, fraud). Provide false or misleading information. Engage in activities that harm our systems or other users.

7. Liability and Disclaimers

Limitation of Liability: We are not liable for indirect, incidental, or consequential damages, to the extent permitted by law.

Service Availability: We aim for uninterrupted service but do not guarantee constant availability.

8. Intellectual Property

All content, trademarks, and intellectual property related to our services are owned by BREINROCK and protected by law.

9. Termination

We may suspend or terminate your account for violations of these Terms or prohibited activities. You may terminate your account by contacting us.

10. Governing Law

These Terms are governed by the laws of Canada. Disputes will be resolved in Canadian courts.

11. Dispute Resolution

Disputes should first be addressed through negotiation. Unresolved disputes may proceed to arbitration under the Canadian law rules.

12. Updates to These Terms

We may update these Terms, notifying you of material changes. Continued use constitutes acceptance.

13. Contact Us

For questions about these Terms, contact:
BREINROCK LIMITED
100 King Street West, Suite 5700
Toronto M5X 1C7
ON - Canada
Email: welcome@breinrock.com