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Terms of Service

Last updated: May 6, 2026

Acceptance of Terms

By accessing or using the PanoFlow website at panoflow.io ("Site") and any services offered by PanoFlow Technologies Inc. ("PanoFlow", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Site or our services.

Description of Services

PanoFlow provides institutional-grade cross-border foreign exchange (FX) services for Canadian businesses. Our services include:

  • Cross-border FX transactions at interbank mid rates with disclosed flat margins.
  • Multi-currency settlement across G4 currency corridors (CAD, USD, GBP, EUR).
  • API and webhook integrations for treasury automation.
  • Compliance and regulatory infrastructure including KYB onboarding and AML screening.

Eligibility

Our services are available to Canadian businesses that complete our Know Your Business (KYB) onboarding process. You must be authorized to act on behalf of the business entity to use our services.

Early Access Program

The early access program allows prospective users to register interest and receive sandbox access. Submitting an early access request does not create a binding agreement for FX services. Access to production services is subject to successful completion of KYB verification and execution of a separate services agreement.

Rates and Pricing

  • Rates displayed on the Site are indicative and do not constitute a binding offer.
  • Live rates are quoted directly off the interbank mid rate with a flat, disclosed margin.
  • Volume commitments may unlock tighter pricing as described on our Pricing page.
  • Final rates are locked at the time of trade execution within the platform.

Regulatory Status

PanoFlow Technologies Inc. is incorporated in Ontario, Canada. Our FINTRAC Money Services Business (MSB) registration is in progress. Until registration is complete, we operate under our settlement bank's MSB licence and disclose this arrangement in these Terms.

Client funds are held in a segregated trust account at a Schedule I Canadian bank.

Intellectual Property

All content, trademarks, logos, and intellectual property on the Site are owned by or licensed to PanoFlow Technologies Inc. You may not reproduce, distribute, or create derivative works from our content without prior written consent.

Limitation of Liability

To the maximum extent permitted by law, PanoFlow shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services. Our total liability for any claim shall not exceed the fees paid by you to PanoFlow in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless PanoFlow, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Site or services, or your violation of these Terms.

Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.

Changes to These Terms

We may update these Terms from time to time. Material changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

Contact

For questions about these Terms, contact us at:

PanoFlow Technologies Inc. Toronto, Ontario, Canada legal@panoflow.io