Terms of Service

By opening a TotalRemit account or using any TotalRemit product you agree to these terms and to the product-specific schedules referenced in your onboarding pack. Payment, banking and card issuing services are provided by licensed partner institutions; those partners' terms apply alongside ours and are disclosed before activation.

You must be at least 18 years old and legally able to enter contracts. We verify identity before activation and may re-verify at any time. We may refuse, suspend or close an account where verification cannot be completed or where activity presents unacceptable risk.

Applicable fees and the exchange rate, including our disclosed margin, are shown before you confirm a transaction. Quoted rates are held for 30 minutes from confirmation or until funding completes, whichever is earlier. Fee schedules may change on 30 days' notice.

Transaction limits depend on verification tier, destination and funding method. You may not use TotalRemit for unlawful activity, sanctioned counterparties, unlicensed money services, or any activity listed in our prohibited-business schedule.

Transfers can be cancelled before payout is released. Where funds have been delivered, recovery depends on the receiving institution and cannot be guaranteed. Refunds are returned to the original funding method at the prevailing rate.

We are liable for direct losses caused by our failure to exercise reasonable care. We are not liable for indirect or consequential loss, or for delays caused by third-party institutions, force majeure or incorrect recipient details supplied by you.

Raise complaints with support first; we respond within 15 business days. Unresolved matters may be escalated to the relevant financial ombudsman in your market. These terms are governed by the laws of the jurisdiction stated in your account schedule.