Effective Date: 04.08.2023

These Terms and Conditions (hereinafter referred to as "Terms") govern your use of the Shokran Money Transfer service (the "Service"), which is provided by Finvoka Payment Inc., a registered company in Canada. By using our Service, you agree to be bound by these Terms. Please read them carefully before proceeding.

1. Description of Service: Shokran Money Transfer allows users to transfer money to recipients locally and internationally using our online platform or mobile application. The Service facilitates secure and reliable money transfers subject to the terms set forth herein.

2. Eligibility: You must be at least 18 years old and legally capable of forming a binding contract to use our Service. By using the Service, you represent and warrant that you meet these eligibility requirements.

3. Registration and Account: To use the Service, you must complete the registration process and create a user account. You are responsible for providing accurate and up-to-date information during the registration process. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. User Conduct: You agree to use the Service solely for lawful purposes and in compliance with all applicable laws and regulations. You must not use the Service to engage in any illegal, fraudulent, or unauthorized activities, including but not limited to money laundering, financing of terrorism, or any other prohibited transactions.

5. Fees and Charges: The use of our Service may incur fees and charges, which are subject to change without prior notice. The applicable fees will be disclosed to you before you confirm a money transfer transaction. You are responsible for any fees or charges associated with your use of the Service.

6. Money Transfer Transactions: When you initiate a money transfer transaction through our Service, you agree to provide accurate information about the recipient and the transaction details. Once a transaction is initiated, the transfer amount and applicable fees will be deducted from your account balance. Finvoka Payment Inc. will make reasonable efforts to complete the transaction promptly, but we do not guarantee the exact delivery time as it may vary based on factors beyond our control.

7. Cancellation and Refunds: Money transfer transactions are final and cannot be canceled once initiated. However, in the event of any error or issue with a transfer, please contact our customer support team as soon as possible for assistance. Refunds will be processed in accordance with our refund policy, which may vary depending on the nature of the issue.

8. Security Measures: We take the security of your personal information and financial data seriously. Finvoka Payment Inc. employs industry-standard security measures to protect your information. However, you acknowledge that no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

9. Intellectual Property: All intellectual property rights associated with the Service, including but not limited to trademarks, copyrights, and patents, belong to Finvoka Payment Inc. You may not use, reproduce, or distribute any content from the Service without our prior written consent.

10. Termination: We reserve the right to suspend or terminate your access to the Service at any time, for any reason, without liability. You may also terminate your account by contacting our customer support team.

11. Modification of Terms: We may update these Terms from time to time to reflect changes in our Service or applicable laws. By continuing to use the Service after such changes, you agree to be bound by the updated Terms.

12. Governing Law and Dispute Resolution: These Terms shall be governed by and construed in accordance with the laws of Canada. Any disputes arising from or related to the Service shall be resolved through arbitration in accordance with the rules of the Canadian Arbitration Association.

13. Limitation of Liability: To the maximum extent permitted by law, Finvoka Payment Inc. shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service or any errors or interruptions in the Service.

14. Entire Agreement: These Terms constitute the entire agreement between you and Finvoka Payment Inc. regarding the Service and supersede all prior agreements and understandings. If you have any questions or concerns regarding these Terms & Conditions, please contact our customer support team at admin@shokran.io.

    Thank you for using Shokran Money Transfer