IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE ACCEPTING. THESE TERMS CONTAIN 
LIMITATIONS ON FIYNIX CORP DBA FIYNIX REMITTANCE’S OBLIGATIONS TO YOU, AS WELL AS 
LIMITATIONS AND EXCLUSIONS OF LIABILITY TO THE EXTENT PERMITTED BY LAW. CERTAIN PROVISIONS 
ARE HIGHLIGHTED IN BOLD. BY ACCESSING OR USING THE FIYNIX REMITTANCE SERVICE, YOU AGREE TO 
BE BOUND BY THESE TERMS AND ALL APPLICABLE LAWS AND REGULATIONS.

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Our Terms and Conditions use the following definitions:

• “Fiynix,” “Fiynix Remittance,” “we,” “our,” or “us” means Fiynix Corp, doing business as Fiynix Remittance, including our permitted agents and service providers acting on our behalf solely to support delivery of the Service.​

• ​ “Service” means the money transmission services provided by Fiynix through the mobile app.

• ​“Sender” means the person initiating a transfer.

•  “Receiver” or “Recipient” means the person designated by the Sender to receive the money transfer.d. “Receiver” or “Recipient” means the person designated by the Sender to receive the money transfer.

• “Transaction” means each individual money transfer initiated by the Sender through the Service.

• “Destination Country” means the country in which the Recipient receives funds through the Service.

• “Payment Method” means the method used by the Sender to fund a Transaction, which may include debit card payments and ACH bank transfers, and may vary by corridor and eligibility.

•  “Payout Partner” means the third-party financial institution(s) or payment service provider(s) used to deliver funds to the Recipient in the Destination Country (e.g., bank deposit or mobile wallet credit).

• “Prohibited Purpose” means any unlawful or prohibited activity, including but not limited to: (i) gambling payments; (ii) attempting to send funds to yourself as the Recipient to misrepresent financial activity; (iii) sending or receiving funds on behalf of a third party where not permitted; or (iv) any activity that violates applicable law, sanctions requirements, or Fiynix compliance policies.

• ​“You,” “your,” or “yours” means any person using the Service, including a Sender.

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1. ABOUT US 

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​1.1 The Fiynix Remittance Service is offered by Fiynix Corp dba Fiynix Remittance, a money services 
business providing money transmission services subject to applicable federal and state laws. Fiynix is not 
a bank and does not provide deposit account services to customers.

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​1.2 Customers may obtain information about Fiynix Remittance in the app or on our website. Fiynix can 
be contacted at info@fiynix.com.

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​1.3 Fiynix maintains business deposit accounts with its depository institution(s) to support operations 
and the safeguarding of funds pending transmission. Fiynix partners with third-party service providers 
(such as payment processors, identity verification providers, and payout partners) to support 
transaction processing and delivery.​

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2. OUR SERVICES

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2.1 The Service allows Senders to initiate international money transfers to Recipients in supported 
Destination Countries through arrangements with Fiynix’s Payout Partners. You must be at least 18 
years old to use the Service. Each Transaction is assigned a unique transfer identifier.

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2.2 By submitting a Transaction request and accepting these Terms, you authorize Fiynix to process and 
transmit the Transaction based on the information you provide. Each Transaction request constitutes a 
separate instruction to Fiynix. Fiynix may decline, delay, suspend, or cancel a Transaction as required by 
law or for compliance, fraud-prevention, or operational reasons

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2.3 Funding Methods and Settlement
Transactions may be funded using debit card and/or ACH bank transfer (where available and 
permitted). Funds are transmitted for delivery to the Recipient through Fiynix’s Payout Partner network. 
Processing times may vary by payment method, Destination Country, banking hours, and compliance 
review requirements.

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​2.4 Delivery Methods
Depending on the Destination Country and Recipient details, Transactions may be delivered via bank 
deposit or mobile wallet credit (where available). The Sender is responsible for ensuring Recipient 

details are accurate. If Recipient details are incorrect or inconsistent (e.g., account number or mobile 
wallet identifier does not match Recipient name), funds may be credited to the account identifier 
provided by the Sender

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2.5 Recipient Delivery Methods and Accuracy of Details
Fiynix offers supported delivery options that may include deposit to a Recipient bank account and, 
where available, credit to a mobile wallet or similar account. For account-based Transactions (bank 
account or mobile wallet), Fiynix will transmit funds based on the Recipient details provided by the 
Sender. The Sender is responsible for ensuring Recipient information is complete and accurate. If the 
Recipient identifier provided (such as bank account number or mobile wallet number) does not match 
the Recipient name, the Transaction may be delivered to the identifier provided by the Sender. Fiynix is 
not responsible for misdirected Transactions caused by incorrect Recipient information submitted by the 
Sender.

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​2.6 Sanctions, Compliance Screening, and Regulatory Holds
Applicable laws prohibit money transmitters from providing services to certain individuals, entities, and 
jurisdictions. Fiynix is required to screen Transactions and parties involved in Transactions against 
applicable sanctions and restricted party lists, including lists administered by the U.S. Department of the 
Treasury’s Office of Foreign Assets Control (OFAC), and to conduct anti-money laundering (AML) and 
fraud-prevention reviews as required by law and Fiynix compliance policies.
If a potential match or compliance concern is identified, Fiynix may request additional information or 
documentation from the Sender and/or Recipient, which may delay or prevent completion of the 
Transaction. Fiynix may also be required to block, freeze, or hold funds where releasing or refunding 
funds would violate applicable law or regulatory requirements.

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​2.7 Fees and Charges
“Transfer Fees” include the service fee and any other charges applicable to a Transaction. The applicable 
Transfer Fees (and the total amount you will pay) are displayed to the Sender before the Sender 
authorizes the Transaction, including on the “Review Transfer” or similar confirmation screen.Unless 
required otherwise by applicable law in the Destination Country, the Sender is responsible for Transfer 
Fees and any fees charged by Fiynix in connection with the Transaction. The Recipient may incur 
additional fees imposed by the Recipient’s bank, mobile wallet provider, or other account provider. The 
Recipient’s relationship with their provider governs those fees, availability of funds, and account 
limitations. Fiynix is not responsible for fees charged by third-party providers.

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​2.8 Transfer Pricing and Currency Conversion
Most Transactions are delivered in the currency of the Destination Country. Where currency conversion 
is required, Fiynix will display the applicable transfer rate to the Sender prior to authorization. The 
displayed transfer rate may include a service margin and may differ from rates available from banks or 
other financial institutions.The rate provided to the Sender is generally applied at the time the 
Transaction is processed. In certain Destination Countries, local rules or payout partner requirements 
may affect when conversion is finalized (for example, at the time of payout). Where applicable, Fiynix
will disclose whether a quoted rate is estimated or final during the Transaction flow.

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2.9 Notifications (SMS/Email/App)

Fiynix may provide Transaction notifications by SMS, email, or in-app messages, including updates that a Transaction is processing, delivered, or requires additional information. Fiynix does not charge for notifications; however, your mobile carrier or service provider may apply message or data charges, which are your responsibility. Delivery of notifications may be delayed or unavailable due to factors outside Fiynix’s control.  

Fiynix may also provide notifications regarding your rights to cancel eligible remittance transfers, report transfer errors, or other disclosures required by applicable law. 

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3. RESPONSIBILITY TO YOU

3.1 Duty of Care

Fiynix Corp dba Fiynix Remittance will provide money transmission services and related information in 
accordance with these Terms and applicable law and will exercise reasonable care in processing Transactions
 

3.2 Matters Outside Fiynix Responsibility

Fiynix is not responsible for:

•  Goods or services paid for using the Service, including their quality, delivery, or performance.

•  Failures or disruptions in telecommunications, internet services, or technology outside Fiynix’s control.

•  Loss of data or delays caused by third-party internet providers, browsers, or software.

• Viruses or malicious software originating from third parties.

• Errors resulting from incomplete, incorrect, or inaccurate information provided by you or a third party.

• Unauthorized interception or use of information prior to reaching Fiynix systems.

• Unauthorized use of or access to data related to your Transactions unless such use results directly from Fiynix gross negligence or willful misconduct.

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3.3 When Fiynix May Decline or Delay a Transaction

Fiynix is not obligated to initiate or complete a Transaction if:

• We are unable to verify your identity or required information.

• We believe the Transaction may be unauthorized, fraudulent, or unlawful.

• You provide incorrect, incomplete, or misleading information.

• Required funding for the Transaction is not successfully received.

•  Compliance, sanctions, or regulatory concerns require review or blocking of the Transaction.

Fiynix is not liable for losses arising from delays, nonpayment, or refusal to process a Transaction where 
permitted or required under these Terms or applicable law.

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3.4 Right to Refuse, Suspend, or Cancel Service

Fiynix may, in its sole discretion and as permitted by law, refuse, suspend, delay, or cancel any 
Transaction or access to the Service if:
• Required by law, regulation, court order, or regulatory authority
• Necessary for fraud prevention, AML, or sanctions compliance
• You violate these Terms or use the Service for a Prohibited Purpose
• We determine the action is necessary to protect Fiynix, its users, or the financial system

Where legally permitted, Fiynix will provide notice of such action.

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3.5 Transaction Limits

Fiynix may establish, modify, suspend, or impose limits on Transaction amounts, frequency, or other 
account activity based on customer verification status, transaction history, risk assessment, regulatory 
requirements, operational considerations, or applicable law.

Standard Remittance:

• Maximum daily transfer: USD $3,000
• Maximum weekly transfer: USD $10,000
• Maximum monthly transfer: USD $15,000

Grand Junction Remittance:

• Maximum daily transfer: USD $3,000
• Maximum weekly transfer: USD $9,000
• Maximum monthly transfer: USD $12,000

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3.6 Service Interruptions and Force Majeure

Fiynix may suspend or limit access to the Service due to events beyond its reasonable control, including 
but not limited to:
• System outages
• Network or infrastructure failures
• Regulatory actions
• Natural disasters
• Labor disputes
• War, civil unrest, or similar events
Fiynix will make reasonable efforts to restore service as soon as practicable.

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3.7 Communications

Fiynix communicates primarily through the app, website, and email.
You may contact Fiynix at info@fiynix.com for support or inquiries.

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4. YOUR RESPONSIBILITIES 

4.1 Payment Authorization

By initiating a Transaction, you authorize Fiynix to debit or charge your selected Payment Method for 
the total Transaction amount, including applicable fees and any disclosed transfer margin. You agree to 
pay all applicable fees associated with each Transaction you initiate.

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4.2 Funding Your Transaction

You authorize Fiynix to collect the Transaction amount and applicable fees using your selected Payment 
Method, which may include debit card or ACH bank transfer.
Before you confirm a Transaction, you will be shown the total amount to be charged, including fees and 
the amount to be delivered to the Recipient. Once you authorize the Transaction, Fiynix will begin 
processing and transmitting funds in accordance with these Terms.

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4.3 Your Representations and Obligations​

You agree and confirm that:

• All information you provide in connection with a Transaction is true, accurate, and complete.

• You will provide any identity verification or supporting documentation reasonably requested by Fiynix for compliance or security purposes.

• You will only send money to individuals you know and trust.

• You will not provide false, misleading, or inaccurate information.

• You will not use anonymizing technologies or tools intended to conceal identity for unlawful purposes.

• You will not use the Service for any Prohibited Purpose.

• You will comply with these Terms and all applicable laws and regulations.

• You are responsible for maintaining the confidentiality of your login credentials and account access.

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4.4 Unauthorized Activity or Errors

You must notify Fiynix immediately at info@fiynix.com if: 

• You believe a Transaction was unauthorized 

• Your account credentials have been compromised 

• You suspect fraud or misuse of your account 

Until Fiynix receives such notice, you may be responsible for losses resulting from unauthorized use where you acted fraudulently, intentionally, or with gross negligence. Upon receiving notice, Fiynix will take reasonable steps to secure your account and investigate the issue. 

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4.5 Disclosure to Authorities

You acknowledge that Fiynix may share information about you, your Transactions, or Recipients with 
regulators, law enforcement, financial institutions, or payment partners where required by law or where 
reasonably necessary to prevent fraud, money laundering, terrorism financing, or other illegal activity.

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4.6 Accuracy of Transaction Information​

You are responsible for verifying all Transaction details before confirming a transfer, including the recipient 
name, account details, and transfer amount.
Once a Transaction is submitted, it may not be possible to modify or cancel it if processing or payout has begun 
begun.

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5. CUSTOMER SUPPORT AND ERROR REPORTING​

If you believe an error has occurred with a Transaction, or if you experience issues using the Service, you 
Must contact Fiynix as soon as possible.
Contact: info@fiynix.com
When contacting us, please include:
• Your name
• Transaction reference number
• Date and amount of transfer
• Description of the issue
Fiynix will investigate and respond within a reasonable timeframe in accordance with applicable law and 
regulatory requirements.

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5.1 Your Remittance Transfer Rights
If you send a remittance transfer from the United States using the Fiynix Remittance Service, you may 
Have important rights under applicable federal law.
Right to Cancel
You generally have the right to cancel a remittance transfer within thirty (30) minutes of making it 
payment, provided that:

•  the recipient has not already received the funds;

• The funds have not been deposited into the recipient's account or otherwise made available to the recipient; and

•  You provide Fiynix with sufficient information to identify the transaction.

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If your cancellation request is eligible, Fiynix will refund all funds paid by you, including any applicable 
transfer fees, in accordance with applicable law.
Error Resolution
If you believe an error occurred with your remittance transfer, please contact Fiynix as soon as possible.
Examples of errors may include:

• the recipient received the wrong amount;

• funds were not delivered as disclosed;

• an incorrect recipient received the funds;

• incorrect fees were charged; or

•  another error occurred during processing

Fiynix will investigate qualifying error claims and respond within the timeframes required under 
Applicable federal law.
For assistance, contact:
Email: info@fiynix.com

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6. ACCOUNT SECURITY AND PASSWORD PROTECTION

To access certain features of the Service, you may be required to create login credentials.
You agree to:
• Keep your username and password confidential
• Do not share login credentials with any third party
• Notify Fiynix immediately of any unauthorized use

You are responsible for all activity conducted through your account unless you notify Fiynix of 
unauthorized access.

Fiynix will take reasonable steps to secure your account once notified but is not responsible for losses 
Resulting from failure to safeguard login credentials.

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7. PRIVACY AND DATA USE

Fiynix collects and processes personal information in accordance with its Privacy Policy.
By using the Service, you consent to the collection, use, and sharing of your information as necessary to:

• Verify identity
• Process Transactions
• Prevent fraud
• Comply with legal and regulatory obligations
• Support operational and security functions
Fiynix may share information with:
• Payment processors
• Banking and payout partners
• Identity verification providers
• Regulatory or law enforcement authorities when required by law
Fiynix does not sell customer personal information.

The Privacy Policy may be updated periodically, and continued use of the Service constitutes acceptance 
of such updates.

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7.1 Payment Processing and Security 

To facilitate secure transactions, Fiynix Corp utilizes PCI DSS–compliant third-party payment processors. 
When you provide debit or credit card information, such data is encrypted and transmitted securely to
our payment partners for processing. Fiynix Corp does not store or maintain sensitive payment card 
information, including full card numbers or CVV codes.

By using the Fiynix platform, you authorize us and our designated payment processors to charge your
selected payment method for authorized transactions. You agree that all payment transactions are 
subject to the terms, conditions, and privacy policies of the applicable third-party payment providers.
Fiynix Corp disclaims liability for any unauthorized transactions resulting from circumstances beyond its 
reasonable control, including those arising from the actions or omissions of third-party payment 
processors, provided that Fiynix Corp has exercised commercially reasonable security measures​

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8.  LIABILITY 

8.1 Proper Execution of Transactions

Fiynix will use reasonable care to process and transmit Transactions in accordance with these Terms and 
Applicable law.
If a Transaction fails to be completed due solely to a Fiynix error, Fiynix will refund the principal amount of 
The Transaction and applicable fees paid by the Sender, unless otherwise required by law.
If you did not authorize a Transaction and notify Fiynix promptly after becoming aware of the issue, 
Fiynix will investigate and, where required by law, refund the unauthorized amount.

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8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIYNIX CORP DBA FIYNIX REMITTANCE AND ITS 
SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:
• Delays in delivery caused by payout partners, financial institutions, or compliance reviews
• Failure of a Recipient bank, mobile wallet, or financial provider
• Incorrect information provided by the Sender
• Service interruptions outside Fiynix control
• Any indirect, incidental, special, or consequential damages

Fiynix total liability for any claim related to a Transaction shall not exceed:

The amount of the Transaction plus the fees paid by the Sender, or
USD $500, whichever is greater, except where prohibited by law.

Nothing in this section excludes liability that cannot be excluded under applicable law, including liability 
for fraud, gross negligence, or willful misconduct.​

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8.3 Third-Party Services 

Fiynix relies on third-party payment processors, financial institutions, and payout partners to complete 
Transactions.
Fiynix is not responsible for:
• Actions or omissions of third-party providers
• Recipient bank processing delays
• Mobile wallet provider actions
• Government or regulatory delays​

 

8.4 Force Majeure 

Fiynix is not liable for failure or delay caused by events beyond its reasonable control, including:

• System outages
• Network failures
• Regulatory actions
• Natural disasters
• Civil unrest or war
• Labor disputes
• Government restrictions

Fiynix will make reasonable efforts to resume services as soon as possible.

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8.5 Sender Responsibility and Fraud Protection

You are responsible for:

• Verifying Recipient details
• Sending funds only to trusted individuals
• Protecting account credentials
• Reviewing Transaction details before submission
Fiynix is not liable for losses resulting from:
• Sending funds to unknown persons
• Scams or fraud initiated by third parties
• Incorrect Recipient information provided by you

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8.6 No Warranty on External Goods or Services

Fiynix does not guarantee the quality, safety, legality, or delivery of goods or services paid for using the 
Service. Any dispute regarding goods or services must be resolved directly with the seller or provider.

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8.7 Claims

Any claim must include:
• Transaction reference
• Supporting documentation
• Description of issue

Claims must be submitted within a reasonable time after the issue occurs.​

 

9. INTELLECTUAL PROPERTY 

All content, trademarks, logos, software, designs, and materials used in connection with the Fiynix 
Service is the exclusive property of Fiynix Corp or its licensors.

You may use the Service only for lawful personal remittance purposes.
You may not:

• Copy, modify, distribute, or reverse engineer the Service
• Use automated tools to access the Service
• Use Fiynix branding without written permission
• Use the Service for commercial resale without authorization
All rights not expressly granted are reserved by Fiynix.

The Fiynix app or website may contain links to third-party services or websites.
These links are provided for convenience only.
Fiynix:
• Does not control third-party sites
• Does not endorse third-party content
• Is not responsible for third-party services
Your use of third-party sites is at your own risk and subject to their terms.

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10. LINKS TO THIRD-PARTY SERVICES

The Fiynix app or website may contain links to third-party services or websites.
These links are provided for convenience only.

Fiynix:

• Does not control third-party sites

• Does not endorse third-party content

• Is not responsible for third-party services

Your use of third-party sites is at your own risk and subject to their terms.

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11. RIGHT TO CANCEL, REFUNDS, AND ERROR RESOLUTION

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11.1 Thirty-Minute Cancellation Right

Subject to applicable federal law, you generally have the right to cancel a remittance transfer within 
thirty (30) minutes after making payment, provided the funds have not already been received by the 
recipient, deposited into the recipient's account, or otherwise made available to the recipient.

Eligible cancellations will receive a refund of all funds paid, including applicable transfer fees, as 
required by law.

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11.2 Cancellation After the Thirty-Minute Period

After the expiration of the thirty-minute cancellation period, or once the recipient has received or been 
made available the funds, a Transaction generally cannot be cancelled except where required by 
applicable law or expressly permitted by Fiynix.

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11.3 Refunds

Where a refund is approved, funds will generally be returned to the original Payment Method used for 
the Transaction. Refund timing depends on the funding method, banking partners, payment processor, 
and applicable compliance reviews.

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11.4 Error Resolution

If you believe an error occurred regarding your remittance transfer, please notify Fiynix promptly.
Fiynix will investigate qualifying error claims and resolve them in accordance with applicable federal and 
state law
When reporting an error, please provide:
• Your name
• Transaction reference number
• Date of transfer
• Transfer amount
• Description of the issue

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11.5 Exceptions

Certain cancellation or error-resolution rights may not apply where otherwise permitted under 
applicable law, including circumstances involving fraud, regulatory restrictions, sanctions compliance, or 
Where the recipient has already received or accessed the transferred funds.

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12. ENTIRE AGREEMENT

These Terms, together with any disclosures and policies referenced herein, constitute the entire 
agreement between you and Fiynix regarding use of the Service.
They supersede all prior agreements, communications, or understandings relating to the Service.​

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13. SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall 
remain in full force and effect.​

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14. COMPLAINTS, REGULATORY DISCLOSURE AND GOVERNING LAW

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​14.1 Customer Support and Complaints

If you have a question, concern, or complaint regarding a transaction or the Fiynix Remittance service, 
please contact us first:​

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Fiynix Remittance

Email: info@fiynix.com

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Fiynix will acknowledge and respond to complaints within a reasonable timeframe and in accordance 
with applicable federal and state regulatory requirements.
 

14.2 Escalation to State Regulators

If your complaint is not resolved to your satisfaction, you may contact the financial regulatory authority 
in your state of residence or the state in which the transaction occurred.
Fiynix will cooperate fully with all state regulatory authorities in the resolution of consumer complaints.

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14.3 Regulatory Disclosure

Fiynix Corp dba Fiynix Remittance is a licensed Money Services Business providing money transmission 
services subject to applicable United States federal and state laws and regulations.
Fiynix Remittance is not a bank. Funds provided for transmission are not deposits and are not insured by 
the Federal Deposit Insurance Corporation (FDIC).

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14.4 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the 
United States and the applicable state laws in which Fiynix operates, without regard to conflict of law 
principles.
Fiynix Corp dba Fiynix Remittance | Terms & Conditions | 2026
Information regarding your Remittance Transfer Rights, including your right to cancel certain transfers 
within thirty (30) minutes and your rights to report transfer errors, is available within the Fiynix mobile 
application and on our website.
Any disputes shall be resolved in accordance with applicable U.S. law.​

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15. COMPLIANCE AND ACCOUNT REVIEW

Fiynix maintains a comprehensive compliance program designed to prevent fraud, money laundering, 
terrorist financing, and other unlawful activity.
Fiynix may:
• Request additional identity verification
• Delay or cancel transactions
• Refuse service
• Report suspicious activity to authorities
• Freeze or block transactions where required by law
These actions may occur without prior notice where legally required.

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16. THIRD-PARTY DELIVERY PARTNERS

Fiynix works with licensed payout partners and financial institutions to deliver funds to recipients.
Delivery times may vary based on:
• Destination country
• Banking hours
• Mobile wallet providers
• Compliance reviews
• Local regulations

Fiynix is not responsible for delays caused by recipient banks, mobile wallet providers, or local clearing 
systems