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Terms of Service

Effective Date: October 4, 2026 · Last Updated: October 4, 2026

SIDO Enterprise Corp. (“SIDO Enterprise Corp.”, “we”, “us” or “our”) is a Canadian financial services business providing services that may include money transfer, foreign exchange, payment and related services.

SIDO Enterprise Corp. operates subject to applicable Canadian laws and regulatory requirements. SIDO Enterprise Corp. is registered as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”) and is registered with the Bank of Canada as a Payment Service Provider under the Retail Payment Activities Act.

Registration does not mean that FINTRAC or the Bank of Canada endorses or guarantees SIDO Enterprise Corp. or its services.

SIDO Enterprise Corp. is not a bank. Funds held with SIDO Enterprise Corp. are not deposits and are not insured by the Canada Deposit Insurance Corporation (CDIC).

These legal documents explain the principal terms that apply to our services. Additional requirements may apply depending on the service, transaction, customer, jurisdiction, payment method, currency, destination or applicable law.

1. Terms of Service

1.1 Agreement

These Terms of Service govern your use of SIDO Enterprise Corp.'s website, account and applicable financial services.

By creating an account or using a SIDO Enterprise Corp. service, you agree to these Terms and any additional terms presented to you for a particular service or transaction.

If you do not agree, you must not use the service.

1.2 Eligibility

You must provide accurate information and meet the eligibility requirements applicable to the service.

SIDO Enterprise Corp. may restrict services based on age, location, identity, business type, jurisdiction, regulatory requirements or other applicable conditions.

1.3 Account Information

You are responsible for keeping your account information accurate and current.

You must not provide false, misleading, incomplete or unauthorized information.

You are responsible for protecting your account credentials and notifying SIDO Enterprise Corp. if you believe your account has been compromised.

1.4 Identity Verification

SIDO Enterprise Corp. may request information or documents to verify your identity or, where applicable, your business, beneficial owners, authorized persons, source of funds, purpose of a transaction or other information.

Additional information may be requested where required by law, regulation, risk assessment or SIDO Enterprise Corp.'s procedures.

1.5 Business Accounts

Business customers must provide accurate business information and identify authorized persons and beneficial owners where applicable.

SIDO Enterprise Corp. may request additional documentation before or after an account is opened or a transaction is processed.

1.6 Transactions

You authorize SIDO Enterprise Corp. to process transactions that you request, subject to these Terms, applicable law and successful completion of required verification and compliance checks.

Transaction instructions must be accurate and complete.

1.7 Fees and Exchange Rates

Applicable fees, exchange rates, taxes and other charges will be presented where applicable before you confirm a transaction.

Exchange rates may change.

The applicable rate is the rate presented for the transaction at the time of confirmation, subject to the transaction terms.

Additional fees may be charged by banks, payment providers, receiving institutions or other third parties where applicable.

1.8 Transaction Delays or Restrictions

A transaction may be delayed, restricted, rejected, suspended or cancelled where required or permitted by law, regulation, sanctions requirements, fraud controls, risk assessment, payment-network requirements or SIDO Enterprise Corp.'s internal procedures.

Additional verification or information may be required.

SIDO Enterprise Corp. may be unable to provide details where disclosure is restricted by law or regulatory requirements.

1.9 Cancellation and Refunds

Cancellation and refund rights depend on the transaction status, service used, payment method and applicable law.

Where a transaction can be cancelled, SIDO Enterprise Corp. will apply the applicable cancellation and refund terms.

A transaction may not be cancellable once funds have been paid, settled or otherwise processed.

1.10 Incorrect Information

You are responsible for the accuracy of recipient and transaction information.

SIDO Enterprise Corp. is not responsible for losses resulting from incorrect or incomplete information supplied by you, except where liability cannot legally be excluded.

1.11 Prohibited Use

You must not use SIDO Enterprise Corp. services for unlawful activity or for purposes prohibited by applicable law or SIDO Enterprise Corp. policy.

Prohibited activity may include fraud, money laundering, terrorist financing, sanctions evasion, unlawful gambling, illegal goods or services, unauthorized transactions, identity misuse or other unlawful activity.

Additional restrictions may apply to specific countries, currencies, customers, transactions or services.

1.12 Account Suspension or Closure

SIDO Enterprise Corp. may suspend, restrict or close an account where permitted by law, including where there is a security, fraud, compliance, regulatory, legal or operational concern.

Where permitted, SIDO Enterprise Corp. will provide appropriate notice.

1.13 Third Parties

SIDO Enterprise Corp. may use banks, payment processors, technology providers, verification providers, payout providers and other service providers to provide services.

Third-party terms may apply where applicable.

1.14 Availability

We aim to provide reliable services but do not guarantee uninterrupted availability.

Services may be unavailable because of maintenance, technical issues, payment networks, third-party providers, regulatory requirements or circumstances beyond our reasonable control.

1.15 Liability

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

Subject to applicable law, SIDO Enterprise Corp. is not responsible for indirect or consequential losses arising from your use of a service.

1.16 Changes

SIDO Enterprise Corp. may update these Terms from time to time.

The updated version will be posted on our website with a revised effective date.

1.17 Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, subject to any mandatory legal rights that apply to you under the laws of your province or territory of residence, including Quebec consumer protection law where applicable.

1.18 Contact

Questions or inquiries may be submitted through the SIDO Enterprise Corp. website contact form.

4. Acceptable Use Policy

You may use SIDO Enterprise Corp. services only for lawful purposes.

You must not:

  • Use another person's identity without authorization
  • Provide false or misleading information
  • Conduct fraudulent transactions
  • Attempt to evade sanctions or regulatory controls
  • Use SIDO Enterprise Corp. for money laundering or terrorist financing
  • Use SIDO Enterprise Corp. for illegal goods or services
  • Use SIDO Enterprise Corp. for unlawful gambling or related activity
  • Use SIDO Enterprise Corp. to facilitate unauthorized third-party transactions
  • Interfere with SIDO Enterprise Corp. systems or security
  • Attempt to bypass transaction or account restrictions

SIDO Enterprise Corp. may restrict or terminate services where this policy is violated or where required by law.

Additional restrictions may apply to particular services or jurisdictions.

10. Electronic Communications

By using SIDO Enterprise Corp. services, you agree that SIDO Enterprise Corp. may communicate with you electronically where permitted by law.

Electronic communications may include:

  • Account notices
  • Transaction confirmations
  • Security notifications
  • Verification requests
  • Service notices
  • Legal notices
  • Regulatory notices

You are responsible for maintaining an accurate email address and other contact information.

Marketing communications are subject to applicable consent and withdrawal requirements.

These documents are intended to describe SIDO Enterprise Corp.'s principal customer-facing terms and policies in clear language.

Additional terms, disclosures, verification requirements or restrictions may apply where required by law, regulation, a particular product, transaction, jurisdiction, payment method or risk assessment.

Where a specific transaction agreement or disclosure conflicts with a general website statement, the specific transaction terms applicable to that service will govern to the extent permitted by law.

SIDO Enterprise Corp. may update these documents from time to time.

The current versions will be published on the SIDO Enterprise Corp. website.

14. Customer Acknowledgement

By creating an account, accessing a service or completing a transaction, you acknowledge that:

  • You have reviewed the applicable Terms of Service.
  • You understand that identity verification may be required.
  • You understand that additional information may be requested where applicable.
  • You understand that transactions may be delayed, restricted, refused or cancelled where permitted or required by law.
  • You understand the applicable fees and exchange-rate information presented for your transaction.
  • You agree to provide accurate information.
  • You agree to use SIDO Enterprise Corp. services lawfully.
  • You acknowledge the applicable Privacy Statement.
  • You understand that additional requirements may apply depending on the service or transaction.

Where a separate consent is legally required, SIDO Enterprise Corp. will obtain that consent separately.