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Terms & Conditions

Terms & Conditions  - RemittanceOS

Last updated: 17 September 2025

1) Who We Are

These Terms & Conditions (“Terms”) govern access to and use of the RemittanceOS software, websites, documentation, SDKs and APIs (collectively, the “Service”) provided by [Entity Legal Name], [Company Number], with registered address [Address] (“RemittanceOS”, “we”, “us”, “our”).

Contact: [Legal/Support Email] | [Postal Address] | [Phone]
If applicable: EU Representative: [Name, Address, Email].
If appointed: Data Protection Officer (DPO): [Name, Email].

2) What These Terms Cover

By creating an account, integrating our APIs, or using the Service, you (“Customer”) agree to these Terms. If you are accepting on behalf of a company, you represent that you have authority to bind that entity. If a Master Subscription Agreement, Order Form, or Data Processing Agreement (DPA) is signed, those documents prevail to the extent of conflict.

3) Important Disclaimers (Read First)

  • Software Provider Only. RemittanceOS is not a money remittance service, payment institution, or e-money issuer. We provide software and workflows. You remain responsible for licensing, settlement, safeguarding, and regulatory reporting required for your business.

  • Screening & Risk. Sanctions/PEP/adverse media and ML risk scores are decision-support. False positives/negatives may occur. You retain final decisioning and must validate outcomes appropriate to your risk appetite and laws.

  • FX & Fees. Any FX rates, margins, or simulations are for operational use and are not investment advice; partners may apply their own rates and fees.

4) Accounts, Access & Users

  • Eligibility. You must be at least the age of majority in your jurisdiction and not barred by sanctions/export controls.

  • Authorized Users. You are responsible for actions taken under your accounts, maintaining the confidentiality of credentials, and enforcing your internal access policies (SSO/RBAC, IP allow-lists, 2FA).

  • Sandbox. Test data only; do not use production personal data in sandbox environments.

5) License & Restrictions

We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes during your subscription term.

You shall not: (a) copy, modify, or create derivative works; (b) reverse engineer or attempt to extract source code except as permitted by law; (c) circumvent security, rate limits, or quotas; (d) use the Service to develop competing products; (e) resell, sublicense, or provide the Service to third parties without our written consent.

6) Acceptable Use

You agree not to use the Service to:

  • violate law or regulation (including AML/CTF, sanctions, export controls, data protection);

  • transmit malware, spam, or harmful code;

  • upload unlawful, infringing, or misleading content;

  • probe or attack networks;

  • process personal data of children where prohibited;

  • exceed fair use/rate limits or degrade Service stability.
    We may suspend or restrict access for suspected violations.

7) APIs, SDKs & Webhooks

API keys are confidential. You must implement reasonable security, rotate keys, and handle webhooks securely (verification, retries, idempotency). We may publish rate limits and modify endpoints with notice. Benchmarks or public comparisons require our prior written approval. You are responsible for your apps’ compliance and end-user disclosures.

8) Beta & Experimental Features

Beta or experimental features are provided as-is, may be modified or withdrawn, and are excluded from SLAs and support commitments.

9) Third-Party Services & Partners

The Service may integrate with third-party identity providers, sanctions/PEP data sources, payment rails (card, open banking, bank, wallet, cash), analytics, and cloud services (“Third-Party Services”). Your use of Third-Party Services is governed by their terms and privacy policies. We are not responsible for their acts or omissions.

10) Fees, Billing & Taxes

  • Fees. As set out in your Order Form/plan (e.g., platform fees, usage, overages).

  • Billing. Invoiced [monthly/annually] in [currency]. Net [X] days payment terms. Late amounts may accrue [X%] monthly interest or the maximum permitted by law.

  • Taxes. Fees are exclusive of taxes; you are responsible for VAT/GST/withholding (if any).

  • Changes. We may update pricing on renewal or with [30/60] days’ notice for month-to-month plans.

  • Refunds. Except as required by law or expressly stated, fees are non-refundable.

11) Data Protection & Privacy

  • Roles. For Customer Data that includes Personal Data, you are typically the controller and we act as processor.

  • DPA. Our Data Processing Agreement (and SCCs/UK Addendum where applicable) governs processing, transfers, and sub-processors; it prevails over these Terms for data protection matters.

  • Privacy Policy. See our Privacy Policy for details on what we collect and why.

  • Security. We implement industry-standard measures (encryption at rest/in transit, RBAC/SSO, key management, audit logs). No method is 100% secure.

12) AML/KYC Features & Your Obligations

You are responsible for: (a) configuring policies appropriate to your risk profile; (b) ensuring legal bases for screening and data processing; (c) providing required notices to end users; (d) retaining records per applicable law; (e) regulator communications and filings. We provide tools; you remain the regulated entity.

13) FX, Fees & Revenue Tools

Rate sources, spreads, and calculators are operational aids. Partners and markets may differ from simulations. You must validate actual rates, margins, and pricing presented to your end users and comply with disclosure rules.

14) Service Levels, Support & Maintenance

  • Availability. We target commercially reasonable uptime; detailed SLAs apply only if purchased in an Order Form/SLA.

  • Support. [Hours & Timezone], [channels: email/portal]. Emergency/security incidents prioritized.

  • Maintenance. We may schedule maintenance windows; urgent fixes may occur without notice.

15) Intellectual Property & Feedback

We (and our licensors) own all rights in the Service, documentation, designs, and underlying technology. You own Customer Data.
By submitting Feedback, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use it to improve the Service.

16) Confidentiality

Each party will protect the other’s Confidential Information using reasonable care and use it only as necessary to perform under these Terms. Exclusions: information that is public, already known, independently developed, or disclosed by a third party lawfully. Required disclosures (e.g., by law) must be notified where lawful.

17) Warranties & Disclaimers

We warrant we will provide the Service with reasonable skill and care. Except as expressly stated, the Service is provided “as is” and “as available”, without warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted/ error-free performance. You are responsible for your configurations, rules, and decisions.

18) Indemnities

  • By You. You will indemnify us against claims arising from (a) your content or Customer Data; (b) your breach of law or these Terms; (c) your use of Third-Party Services.

  • By Us. We will indemnify you against third-party claims that the Service (as provided by us) infringes IP rights, subject to prompt notice, control of defense, and your cooperation. We may modify, replace, or refund unused prepaid fees to resolve such claims.

19) Limitation of Liability

To the maximum extent permitted by law:

  • No indirect damages. Neither party is liable for consequential, special, incidental, punitive damages, or lost profits/revenue.

  • Cap. Each party’s aggregate liability arising out of these Terms shall not exceed the fees paid or payable by you to us in the twelve (12) months preceding the event giving rise to the claim.

  • Exceptions. Caps do not apply to (a) your payment obligations; (b) each party’s indemnity obligations; (c) unauthorised use or disclosure of Confidential Information; (d) death or personal injury caused by negligence where liability cannot be excluded under applicable law.

20) Term, Suspension & Termination

  • Term. These Terms apply for your subscription term as per your plan/Order Form.

  • Suspension. We may suspend for non-payment, security risk, legal risk, or AUP violations.

  • Termination for Cause. Either party may terminate for material breach not cured within [30] days’ written notice.

  • Effect. Upon termination, your access ceases; we will make [export tools / 30 days] available for you to export Customer Data unless legally prohibited. Certain sections survive (IP, confidentiality, liability, etc.).

21) Sanctions, Export & Restricted Jurisdictions

You affirm you are not on any sanctions list (e.g., OFAC, UK HMT, EU) and will not use the Service in or for the benefit of embargoed/restricted regions. You will comply with export control laws (UK, EU, US) regarding technology and data.

22) Publicity

With your consent, we may use your name/logo for customer lists and case studies. You may withdraw consent at any time by written notice.

23) Changes to the Service or Terms

We may update features, documentation, or these Terms to reflect improvements, security, or legal requirements. For material changes, we will give [30] days’ notice via email or in-app. Continued use after the effective date constitutes acceptance.

24) Miscellaneous

  • Governing Law & Venue. These Terms are governed by the laws of England & Wales, and the courts of London, UK shall have exclusive jurisdiction, except that either party may seek injunctive relief in any competent court.

  • Assignment. Neither party may assign these Terms without consent, except to an affiliate or in a merger/acquisition, provided notice is given.

  • Subcontracting. We may use subcontractors; we remain responsible for their performance.

  • Force Majeure. Neither party is liable for delays beyond reasonable control.

  • Severability. If a provision is unenforceable, the remainder remains in effect.

  • No Waiver. Failure to enforce is not a waiver.

  • Entire Agreement. These Terms (plus any Order Form, SLA, DPA) are the entire agreement and supersede prior discussions.

  • Notices. Legal notices must be sent to [Notice Email] and [Postal Address]; customer notices go to your account email.

Definitions

  • “Customer Data”: data submitted to or collected by the Service on your behalf, including personal data, transactions, and configurations.

  • “Personal Data”: information relating to an identified or identifiable natural person.

  • “Order Form”: a document (online or executed) specifying plan, term, quantities, and fees.

  • “SLA”: any service level addendum we agree with you in writing.

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