1. Definitions
For the purposes of these Terms and Conditions, the following definitions apply:
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“Account” means a registered user account created on the Company’s platform to access the Services.

“AML” means Anti-Money Laundering laws, regulations, and compliance requirements applicable in the United States and Canada.

“Applicable Law” means all laws, statutes, regulations, rules, and regulatory requirements that apply to the Company or the User including but not limited to laws in the United States, the State of Florida, Canada, and applicable provinces.

“Company,” “we,” “our,” or “us” refers to Talino Digital Solutions Inc., (“TDS”) a registered Money Services Business providing financial services through its website and platform.

“FINCEN” means the Financial Crimes Enforcement Network of the United States Department of the Treasury.

“FINTRAC” means the Financial Transactions and Reports Analysis Centre of Canada.

“KYC” means Know Your Customer procedures required to verify the identity of Users in accordance with AML regulations.

“MSB” (Money Services Business) refers to a business engaged in financial services such as money transmission, currency exchange, or payment processing and registered with relevant regulatory authorities.

“Platform” means the Company’s website, mobile applications, and digital interfaces used to access the Services.

“Services” means the financial services provided by the Company, including but not limited to:

• Money transmission

• Foreign exchange transactions

• Payment processing

• Remittance services

• Digital payment facilitation

• Any other services permitted under MSB regulations.

“Transaction” means any transfer, exchange, or financial operation initiated by a User through the Platform.
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‍“User,” “Customer,” or “you” means any individual or entity accessing or using the Company’s Services.

‍“Website” means the online domain operated by the Company located at “talinods.ca”.

2. Acceptance of Terms
By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree with these Terms, you must immediately discontinue use of the Services.

3. Regulatory Status
The Company operates as a regulated Money Services Business and complies with applicable regulatory frameworks.
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‍United States
‍The Company is:

• Registered as a Money Services Business with the Financial Crimes Enforcement Network (FinCEN).

• Licensed or authorized to provide money transmission services in the State of Florida, subject to regulatory approval.

Canada
The Company is registered with:

• Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business.

Registration does not constitute endorsement by any government authority.

4. Services
The Company provides financial services including but not limited to:

• Money transmission

• Remittance services

• Currency exchange

• Payment processing

• Digital financial transactions

Service availability may vary depending on the User’s jurisdiction and regulatory requirements.

5. Eligibility
To use the Services, you must:

• Be at least 18 years of age

• Have the legal capacity to enter into binding agreements

• Reside in a jurisdiction where the Services are legally permitted

• Provide accurate identification and information when requested

The Company reserves the right to deny access to Services at its sole discretion.

6. Account Registration
Users may be required to create an Account to access certain Services.

You agree to:

• Provide accurate and complete information

• Maintain updated personal information

• Safeguard login credentials

• Notify the Company of any unauthorized account activity

The Company is not liable for losses resulting from unauthorized use of your Account due to negligence.

7. Identity Verification (KYC)
To comply with AML and regulatory obligations, the Company may require identity verification including:

• Government-issued identification

• Proof of address

• Source of funds documentation

• Corporate documentation for business accounts

Failure to comply may result in suspension or termination of Services.

8. Anti-Money Laundering Compliance
The Company maintains an AML program consistent with:

• Bank Secrecy Act (BSA)

• USA PATRIOT Act

• Proceeds of Crime (Money Laundering) and Terrorist Financing Act (Canada)

The Company may:

• Monitor transactions

• Report suspicious activities

• Block or refuse transactions

• Freeze accounts when required by law

9. Prohibited Activities
Users may not use the Services for activities including but not limited to:

• Money laundering

• Terrorist financing

• Fraud or financial scams

• Sanctions violations

• Human trafficking

• Illegal gambling

• Any activity violating Applicable Law

The Company may terminate accounts or block transactions suspected of illegal activity.

10. Fees and Charges
Users agree to pay applicable service fees, which may include:

• Transaction fees

• Currency exchange spreads

• Payment processing fees

All applicable fees will be disclosed prior to confirming a Transaction.

11. Exchange Rates
Foreign exchange rates offered through the Platform may include a margin above the market rate and may change until a Transaction is confirmed.

12. Transaction Processing
Transaction processing times may vary depending on:

• Banking networks

• Compliance reviews

• Regulatory checks

• Third-party financial institutions

The Company is not responsible for delays outside its control.

13. Privacy
Personal information is collected and processed in accordance with the Company’s Privacy Policy and applicable privacy laws including:

• Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)

• Applicable U.S. privacy laws.

Information may be disclosed to regulatory authorities where required by law.

14. Intellectual Property
All content on the Website including trademarks, software, logos, and materials are the intellectual property of the Company or its licensors and may not be reproduced without written permission.

15. Limitation of Liability
To the maximum extent permitted by law, the Company shall not be liable for:

• Indirect or consequential damages

• Loss of profits

• Delays caused by third-party financial institutions

• Errors due to inaccurate information provided by Users.

16. Indemnification
Users agree to indemnify and hold harmless the Company, its directors, officers, employees, and affiliates from any claims arising from:

• Violation of these Terms

• Misuse of the Services

• Violation of Applicable Law.

17. Suspension and Termination
The Company may suspend or terminate Accounts if:

• Required by law

• Fraud or suspicious activity is detected

• False information is provided

• These Terms are violated.

18. Consumer Complaints
United States (Florida)
‍Complaints regarding money transmission services may be directed to:

‍Florida Office of Financial Regulation
Division of Consumer Finance

Users may also contact the Company at:
‍Hello@talinods.ca

Canada
‍Users may contact the Company directly or file complaints with relevant Canadian regulatory authorities including FINTRAC where applicable.

19. Governing Law
For U.S. users, these Terms shall be governed by the laws of the State of Florida and applicable federal law.For Canadian users, these Terms shall be governed by the laws of Canada and the applicable province.

20. Amendments
The Company reserves the right to modify these Terms at any time. Updated Terms will be posted on the Website with a revised effective date.

21. Contact Information
If you have questions regarding these Terms:
‍Talino Digital Solutions Inc

Hello@talinods.ca