Terms of Service — Kuberji Online Cargo Inc.

Who we are

Kuberji Online Cargo Inc., operating as Kuberji Global, Ontario, Canada. Email: info@kuberjiglobal.com.

Kuberji is registered with FINTRAC as a money services business (Registration No. C10001422). Registration is not a licence or an endorsement by FINTRAC.

Our service

Money transfers from Canada to India and currency exchange. You send Canadian dollars; your receiver gets Indian rupees, by bank deposit or cash pickup as offered when you book.

Price

The exchange rate we show you includes our margin. There is no separate service fee. Before you confirm a transfer you always see the total Canadian dollars you will pay and the exact Indian rupees your receiver will get. Once a transfer is booked, its rate is locked and does not change.

Paying

You can pay by cash or bank deposit (including Interac e-Transfer / EFT through our payment partners). A transfer is processed only after we receive your payment and complete our checks.

Timing and checks

We aim to complete transfers promptly, but identity, compliance and security checks required by law can delay a transfer. We may ask for more information, including a bank statement for larger transfers, and we may decline or hold a transfer where the law requires.

Your duties

Give true and complete information, keep your login details safe, and make sure your receiver's details are correct. You must be 18 or older to use this service.

Cancelling and refunds

You may cancel a transfer at any time before it is paid out and receive a full refund of what you paid. After payout, a refund is possible only if the payout fails or is returned to us. Nothing in these terms takes away any right you have under Ontario consumer protection law.

Errors

If you believe there is an error in a transfer, contact us at info@kuberjiglobal.com as soon as possible. We will investigate and tell you the result.

Records and privacy

We keep transaction and identity records for 5 years as Canadian law requires. Our Privacy Policy explains how your information is used.

Governing law

Ontario, Canada.

Complaints

Not happy with something? Email info@kuberjiglobal.com with your client number and transfer number. We will acknowledge your complaint within 2 business days and aim to resolve it within 15 business days. If it is not resolved, you may ask for it to be reviewed by our Compliance Officer.