SeedFi ("Platform") is a digital lending platform developed and operated by The Dataseed Company Limited ("Us", "We", "Our").

Please read these Terms and Conditions ("Terms") carefully. Access to, and use of SeedFi's services ("Services"), and the Platform, is conditional on your agreement to these Terms.

By registering or using SeedFi, you agree to be bound by these Terms and indicate your continued acceptance of them.

To be eligible to use the Platform you must:

• Be 18 years or older. If you are under 18, your parent or legal guardian must consent to these Terms.
• Be physically located in, or a resident of, the country or state selected during account registration.

To access the Services, you must create an account by providing certain information including:

• Name
• Address
• Email address
• Phone number
• Date of birth
• BVN
• Government-issued identification
• Utility bill

By creating an account, you agree to:

• Provide accurate, current, and complete information at all times.
• Promptly update your information whenever changes occur.
• Accept that we may suspend or refuse access where information provided is false, incomplete, or misleading.

The Dataseed Canada Company Ltd (owners and developers of Kouriar) is incorporated under the federal laws of Canada and operates a digital financial services platform.

Kouriar provides international money remittance services, enabling individuals in Canada to send funds to designated beneficiaries.

Kouriar is a product of The Dataseed Company Canada Limited, which is registered as a Money Services Business (MSB) with FINTRAC.

• Registration No: C10001220 pursuant to the PCMLTFA.
• Subject to oversight by the Financial Consumer Agency of Canada (FCAC) and applicable provincial regulators.

Our Services are available through our website and mobile application (collectively, the "Platform").

We reserve the right to modify, suspend, or discontinue any aspect of the Platform where necessary for operational, legal, or security reasons.

To use Kouriar Services, you must:

• Be at least 18 years old.
• Be a resident of Canada.
• Hold a valid Canadian bank account in your own name.
• Provide valid government-issued identification.
• Not be subject to sanctions restrictions.
• Not have been suspended or terminated from Kouriar previously.

To access our Services, you agree to:

• Provide accurate and complete registration information.
• Maintain a strong password and keep your credentials secure.
• Notify us immediately if unauthorized access occurs.
• Accept responsibility for activities under your account.

We are legally required to verify your identity before providing Services.

• Submit government-issued identification and supporting documents.
• Undergo enhanced due diligence where required by law.
• Provide truthful and accurate information at all times.

We reserve the right to suspend or decline accounts where identity verification cannot be completed.

You may only maintain one account with Kouriar at any time. Multiple accounts may result in suspension or termination.

You may use the Platform only for lawful purposes and in accordance with these Terms.

You must not use the Platform to:

• Facilitate fraud or money laundering.
• Conduct unauthorized third-party transactions.
• Send or receive sanctioned funds.
• Misrepresent transaction information.
• Use bots or automated scripts without consent.
• Attempt to bypass security systems.
• Access another user's account.

We may suspend accounts, reverse transactions, or report suspicious activity to regulators or law enforcement authorities.

All applicable fees will be disclosed before any transaction is confirmed.

• Service fees may vary depending on transaction amount and payment method.
• Exchange rates may differ from interbank or mid-market rates.
• Rates are guaranteed only during transaction confirmation.
• Third-party financial institutions may charge additional fees.

All intellectual property rights relating to the Platform belong to Kouriar or its licensors.

We grant you a limited, non-transferable licence to access and use the Platform solely for personal use in accordance with these Terms.

By submitting content to us, you grant Kouriar the right to use, process, and store that content to provide Services and comply with legal obligations.

Services are provided on an "as is" and "as available" basis without warranties of any kind.

Kouriar's liability is limited to the greater of:

• Fees paid within the previous three months; or
• $100 CAD.

Nothing in these Terms excludes rights that cannot legally be excluded under applicable law.

We are not liable for delays caused by events outside our reasonable control.

You agree to indemnify and hold harmless The Dataseed Company Canada Limited against claims arising from:

• Your breach of these Terms.
• Your unlawful use of the Services.
• False or misleading information submitted by you.
• Violation of third-party rights.

We are not responsible for third-party websites, integrations, or services linked through the Platform.

We may update these Terms from time to time and notify users where required.

• Updated Terms will be published on the Platform.
• Material changes may be communicated by email or in-app notice.
• Continued use of the Platform indicates acceptance of revised Terms.

You may close your account subject to settlement of outstanding obligations.

We may suspend or terminate accounts for breaches, fraud concerns, or regulatory requirements.

Upon termination, access to the Platform ends immediately while outstanding obligations remain enforceable.

Certain provisions survive termination, including liability, indemnity, and dispute clauses.

Complaints may be submitted through:

Users may escalate unresolved complaints to relevant regulators including FCAC, FINTRAC, FSRA, NDPC, and others.

These Terms are governed by the laws of Ontario and the federal laws of Canada.

Nothing in these Terms removes statutory consumer rights under applicable law.

These Terms, together with the Privacy Policy and related agreements, form the complete agreement between you and Kouriar.

If any provision is unenforceable, the remaining provisions remain valid.

Failure to enforce any provision is not a waiver of our rights.

You may not transfer your rights under these Terms without written consent.

These Terms are written in English. French versions may apply where legally required.

You consent to receiving electronic communications from us where permitted by law.