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Terms and Conditions

Last Updated: 29 July 2026

1. Introduction

Welcome to SWIFT99 PAY INC (“SWIFT99 PAY INC”, “we”, “our”, or “us”).

These Terms and Conditions (“Terms”) govern your access to and use of our website, applications, platforms, and international money transfer services (collectively, the “Services”).

SWIFT99 PAY INC is incorporated in Ontario, Canada (Corporation No. OCN 710626623) and is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Registration No. C10001639, under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).

By creating an account, accessing our website, or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use our Services.

2. Our Services

SWIFT99 PAY INC provides international money transfer services that allow customers to send personal remittances to supported destinations.

Our Services may include:

  • Sending international money transfers

  • Tracking transfer status

  • Viewing transaction history

  • Managing account information

  • Receiving service notifications

  • Accessing customer support

Transfer availability, supported countries, currencies, limits, fees, and processing times may vary depending on regulatory requirements, destination country, payment methods, and our authorised partners.

SWIFT99 PAY INC does not hold customer funds. Money transfer services may be facilitated through regulated licensed partners who provide applicable payment services in certain regions.

3. Eligibility Requirements

To use our Services, you must:

  • Be at least the legal age required in your jurisdiction.

  • Provide accurate and complete information.

  • Have the legal authority to enter into these Terms.

  • Use the Services only for lawful purposes.

You may not use our Services if:

  • You are prohibited by applicable laws or regulations.

  • Your account has been suspended or terminated.

  • You provide false, incomplete, or misleading information.

4. Account Registration

To access certain Services, you may need to create an account.

You agree to:

  • Provide accurate personal information.

  • Keep your account information updated.

  • Maintain the confidentiality of your login credentials.

  • Notify us immediately of unauthorised account access.

You are responsible for all activities performed through your account unless caused by our negligence or security failure.

5. Identity Verification and Compliance

As a registered Money Services Business, SWIFT99 PAY INC is required to comply with applicable laws and regulations relating to anti-money laundering, counter-terrorist financing, fraud prevention, and financial compliance.

We may require you to provide:

  • Government-issued identification

  • Proof of address

  • Source of funds information

  • Additional documentation required for verification

We reserve the right to delay, restrict, reject, or cancel transactions where verification requirements are not satisfied or where required by law.

6. Permitted Use of Services

Our Services are intended for personal remittance purposes only.

You agree not to use our Services for:

  • Commercial transactions

  • Business payments

  • Money laundering activities

  • Fraudulent activities

  • Illegal transactions

  • Terrorist financing

  • Circumventing sanctions or regulatory restrictions

We may investigate and report suspicious activity to relevant authorities where required by law.

7. Transfer Requests

When you submit a transfer request, you confirm that:

  • All information provided is accurate.

  • You have the right to send the funds.

  • The recipient information is correct.

  • The transaction complies with applicable laws.

Once submitted, transfers may not always be cancelled or modified if processing has already started.

SWIFT99 PAY INC is not responsible for delays caused by:

  • Incorrect recipient information

  • Banking partner delays

  • Regulatory reviews

  • Events outside our reasonable control

8. Fees and Exchange Rates

Before completing a transfer, applicable fees and exchange rates will be displayed where available.

Exchange rates may change due to market conditions and are not guaranteed until the transaction is confirmed.

Past exchange rates are not indicative of future rates.

Additional fees may be charged by third-party financial institutions, receiving banks, or local payment providers.

9. Processing Times

Transfer processing times may vary depending on:

  • Destination country

  • Currency

  • Payment method

  • Compliance reviews

  • Banking partner availability

  • Local holidays

Estimated delivery times are provided as guidance only and do not guarantee a specific delivery date.

10. Cancellation and Refunds

Transfer cancellation and refund requests are subject to applicable laws, transaction status, and whether funds have already been delivered.

Where cancellation is permitted:

  • You may request cancellation through customer support.

  • Refund processing times may vary.

  • Applicable fees or deductions may apply.

Transfers completed successfully cannot generally be reversed.

11. Account Suspension and Termination

We may suspend or terminate your account or restrict access to Services if:

  • You violate these Terms.

  • You provide false information.

  • We identify suspicious or fraudulent activity.

  • Required compliance checks cannot be completed.

  • We are required to do so by law or regulatory authorities.

Termination does not affect obligations that arose before termination.

12. Fraud Prevention and Security

You are responsible for protecting your account information.

You must:

  • Keep passwords confidential.

  • Avoid sharing account access details.

  • Report suspicious activity immediately.

We may implement security measures, including transaction monitoring and verification procedures, to protect customers and prevent fraud.

13. Third-Party Services and Partners

Some Services may be provided through regulated financial institutions, banking partners, payment providers, or technology providers.

These third parties may have their own terms, policies, and requirements.

SWIFT99 PAY INC is not responsible for services provided directly by third parties outside our control.

14. Regulatory Information

SWIFT99 PAY INC is registered as a Money Services Business with FINTRAC in Canada.

SWIFT99 PAY INC is not authorised or registered by the Financial Conduct Authority (FCA) and is not a licensed payment service provider in the European Economic Area.

Money transfer services in the EEA and United Kingdom are facilitated through regulated licensed partners that hold their own applicable authorisations.

15. Intellectual Property

All content, trademarks, logos, designs, software, and materials available through our website and Services are owned by or licensed to SWIFT99 PAY INC.

You may not copy, modify, distribute, or use our intellectual property without prior written permission.

16. Disclaimer of Liability

While we take reasonable steps to provide reliable Services, we do not guarantee that:

  • Services will always be available without interruption.

  • Transfers will always be completed within estimated timeframes.

  • Information provided through our website is free from errors.

To the maximum extent permitted by law, SWIFT99 PAY INC is not responsible for losses caused by circumstances outside our reasonable control.

17. Limitation of Liability

To the extent permitted by applicable law, SWIFT99 PAY INC shall not be liable for:

  • Indirect or consequential losses.

  • Delays caused by third parties.

  • Incorrect information provided by customers.

  • Losses resulting from unauthorised customer actions.

Nothing in these Terms limits rights that cannot legally be excluded.

18. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, regulations, or business practices.

Updated Terms will be published on this page with a revised date.

Your continued use of our Services after changes are published means you accept the updated Terms.

19. Governing Law

These Terms are governed by and interpreted according to the laws applicable in Ontario, Canada, without affecting any mandatory consumer protection rights that may apply in your jurisdiction.

20. Contact Us

If you have questions regarding these Terms and Conditions, please contact us.

SWIFT99 PAY INC
Ontario, Canada

Website: https://swift99inc.com

SWIFT99 PAY INC is incorporated in Ontario, Canada (Corporation No. OCN 710626623) and is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Registration No. C10001639, under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). SWIFT99 PAY INC is not authorised or registered by the Financial Conduct Authority (FCA) and is not a licensed payment service provider in the European Economic Area. Money transfer services in the EEA and United Kingdom are facilitated through regulated Licensed Partners who hold their own applicable authorisations. Remitflash does not hold customer funds. Past exchange rates are not indicative of future rates. Remitflash is intended for personal remittance use only; commercial transactions are not permitted.

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