These terms form an agreement between you and Groupe Gomboe inc., operator of Best Rate. By creating an account, accessing the website or requesting a transfer, you agree to them.
1. Eligibility and account
You must be of legal age in your province or territory and able to enter into a contract. Provide accurate, complete and current information, protect your credentials, and promptly report unauthorized use. Your account is personal and may not be used for someone else unless we authorize it in writing.
2. The service
Best Rate lets you request fund transfers to the destinations and delivery methods shown when you transact. Availability, limits, estimated time, rate and fees may vary based on destination, amount, payment method, recipient and required reviews.
3. Instructions and authorization
You must verify recipient details before confirming. Confirmation authorizes us to charge the selected payment method and transmit funds as instructed. We may request additional information or documents before accepting or processing a transaction.
4. Rates, fees and amount received
The final summary shows the applicable rate and fees. Earlier estimates are indicative. A rate applies only once we accept the transaction and for the period stated. Your bank, a network, intermediary or recipient provider may impose separate charges outside our control; we disclose known charges where possible.
5. Payment and no third-party funding
Payment must come from an account or payment method in your name. Third-party payments may be rejected or returned. You confirm that you are authorized to use the payment method and have sufficient funds. Rejections, recalls, chargebacks or fraud may lead to cancellation and recovery of amounts owed.
6. Timing, holds and refusals
Displayed times are estimates and begin after funds are received and checks completed. We may delay, hold, refuse or cancel an incomplete, prohibited, unusual or unfunded transaction, or one requiring regulatory, security or fraud review. Where permitted, we will notify you.
7. Cancellation and refunds
Contact us immediately to request cancellation. A transaction already paid, deposited, collected or irrevocably transmitted may no longer be cancellable. Eligible refunds return to the original payment method, less any clearly applicable non-recoverable charges. Refunds are never paid in cash to a third party.
8. Prohibited use
You may not use Best Rate for illegal, fraudulent, deceptive or unauthorized commercial purposes; structure transactions to evade controls; transfer third-party funds; circumvent a limit, sanction or security measure; or interfere with the service, its users or systems.
9. Errors and unauthorized transactions
Report any error or unauthorized transaction promptly to contact@bestrate.com with the reference, amount, date and issue. We will investigate and may request supporting evidence. Prompt cooperation helps limit losses.
10. Availability and liability
We aim for reliable service but do not guarantee uninterrupted access. To the extent permitted by law, we are not responsible for delays or losses caused by incorrect information you provide, third-party institutions, force majeure or events beyond our reasonable control. Nothing limits mandatory consumer rights.
11. Intellectual property
Best Rate’s name, logo, interface, text and service elements are protected. You receive a limited, personal and revocable licence to use the service under these terms. Unauthorized copying, extraction, resale or reverse engineering is prohibited.
12. Changes and termination
We may update these terms for legal, operational or functional changes and provide reasonable notice when required. You may stop using the service and request account closure, subject to pending transactions and retention duties. We may restrict or close an account for breach, risk or legal requirements.
13. Governing law
These terms are governed by the applicable laws of Québec and the federal laws of Canada. Mandatory consumer protections in your place of residence continue to apply. The parties will first try to resolve disputes in good faith.
Questions about this document?
Email us at contact@bestrate.com.