TAP 2 SEND
REGULATORY DISCLOSURES & IMPORTANT FINANCIAL INFORMATION
Effective Date: [INSERT DATE]
Last Updated: [INSERT DATE]
1. Company Information
Tap 2 Send is the operating name of Tap 2 Send Ltd.
Jurisdiction of Incorporation: [JURISDICTION]
Registered Business Address: [REGISTERED ADDRESS]
Business Contact: [CONTACT EMAIL]
Website: [WEBSITE DOMAIN]
Tap 2 Send provides information about business-oriented financial services, which may include international money transfers, foreign exchange and permitted digital asset conversion services. Availability is subject to applicable laws, regulatory requirements, commercial arrangements, customer verification and transaction-specific conditions.
2. Canadian Money Services Business Registration
FINTRAC Registration Status: [INSERT VERIFIED STATUS]
Registered Legal Entity: Tap 2 Send Ltd
FINTRAC MSB Registration Number: [INSERT VERIFIED NUMBER]
Registered MSB Activities: [INSERT EXACT VERIFIED ACTIVITIES]
Where registered as a money services business with FINTRAC, registration is maintained under applicable law. FINTRAC registration is a legal registration requirement and does not constitute licensing, certification, approval or endorsement by FINTRAC or the Government of Canada. It does not guarantee an MSB’s financial condition, solvency, performance, reliability or suitability. Customers may independently verify registration through the official FINTRAC MSB registry.
3. FINTRAC Oversight
FINTRAC is Canada’s financial intelligence unit and supervisory authority for reporting entities under the federal anti-money laundering and anti-terrorist financing framework. Depending on Tap 2 Send’s activities, obligations may include customer identification, business verification, beneficial ownership, compliance programs, risk assessments, transaction monitoring, record keeping, prescribed reporting and suspicious transaction reporting. FINTRAC does not operate a compensation scheme, approve individual transfers or guarantee funds held by money services businesses.
4. Bank of Canada — Retail Payment Activities Act
The Retail Payment Activities Act establishes a federal supervisory framework for in-scope payment service providers. Depending on Tap 2 Send’s activities, the Company may be subject to registration and operational obligations administered by the Bank of Canada.
Bank of Canada PSP Registration Status: [INSERT VERIFIED STATUS OR CONFIRMED NOT APPLICABLE]
Registration Number or Identifier: [INSERT IF APPLICABLE]
Relevant obligations may include operational risk management, incident management, safeguarding of end-user funds and regulatory reporting. FINTRAC MSB registration is separate from registration under the Retail Payment Activities Act. Customers should not infer Bank of Canada registration solely from FINTRAC registration.
5. Provincial Regulatory Requirements
Some provinces impose additional licensing, registration or operating requirements. Tap 2 Send Ltd will comply with applicable requirements based on its activities and jurisdictions.
Applicable Provincial Registration or Licence: [INSERT VERIFIED DETAILS]
Relevant Provincial Regulator: [INSERT IF APPLICABLE]
Licence or Registration Number: [INSERT IF APPLICABLE]
No claim of provincial authorization should be made unless the relevant status has been verified.
6. Digital Asset and Cryptocurrency Regulatory Considerations
Tap 2 Send may facilitate permitted business conversions between fiat currencies and supported digital assets. Activities may involve federal anti-money laundering obligations, securities laws, derivatives regulations, provincial requirements, sanctions obligations and other financial-services legislation. Where authorization, registration or an exemption is required, it must be satisfied before the service is offered.
Applicable Securities or Crypto Trading Authorization: [INSERT VERIFIED STATUS, EXEMPTION OR NOT APPLICABLE FOLLOWING LEGAL REVIEW]
FINTRAC MSB registration alone is not authorization to operate a securities-regulated cryptocurrency trading platform.
7. Nature of Services
Services are intended primarily for eligible business customers and may include business money transfers, cross-border payments, foreign exchange, fiat-to-crypto conversion, crypto-to-fiat conversion and related approved business financial services. Availability depends on regulatory permissions, banking and payment arrangements, transaction capabilities and customer eligibility. Website descriptions do not guarantee availability.
8. Customer Eligibility
Business relationships and transactions are subject to onboarding and compliance requirements. Tap 2 Send may request company registration, ownership records, authorized representative information, identification, business activity details, source-of-funds information, transaction purpose and other documentation. Onboarding does not guarantee approval of every transaction.
9. International Transfer Risks
Transfers may be affected by banking arrangements, payment networks, geographic restrictions, currency availability, compliance reviews, correspondent institutions, payment instructions, settlement cut-off times and third-party interruptions. Settlement times vary. Tap 2 Send does not guarantee immediate processing or delivery unless expressly agreed in binding transaction terms.
10. Foreign Exchange Disclosure
Foreign exchange involves converting funds between currencies. Rates may fluctuate. The final rate and fees depend on the transaction, market conditions, quotation process and contractual arrangements. Website examples are not binding offers. Firm quotations are subject to the applicable execution and confirmation process.
11. Digital Asset Risk Disclosure
Digital assets involve substantial risks, including price volatility, liquidity risk, blockchain failures or congestion, technical incidents, transaction irreversibility, incorrect wallet addresses, unsupported networks, cybersecurity threats, counterparty failure, regulatory changes and stablecoin de-pegging, issuer default or redemption restrictions. No digital asset should be presumed risk-free.
12. No Investment Advice
Unless separately authorized and expressly disclosed, Tap 2 Send does not provide investment management, investment recommendations, securities advice or financial planning through its website. Digital-asset and currency information is general information. Customers should obtain independent professional advice where appropriate.
13. No Guaranteed Returns or Performance
Tap 2 Send does not guarantee profits, investment returns, digital-asset appreciation or favourable currency movements. Digital-asset conversion services are not represented as guaranteed-return investment products.
14. Customer Funds and Safeguarding
Handling of customer funds depends on the services, legal requirements and operational arrangements. Any required safeguarding will be described in relevant agreements and disclosures. Review how funds are received, handled pending settlement, safeguarded, returned and affected by risks. No safeguarding or segregation arrangement should be assumed unless expressly confirmed.
15. Deposit Insurance
Tap 2 Send is not a bank solely because it provides money services. MSB registration does not provide deposit insurance. Customers should not assume funds, cryptocurrency holdings or related balances are protected by the Canada Deposit Insurance Corporation. Any protections depend on specific arrangements and applicable law.
16. Transaction Processing and Third Parties
Approved transactions may involve banks, payment providers, payment networks, foreign exchange counterparties, digital-asset liquidity providers, blockchain networks and other financial infrastructure providers. Completion may depend on third-party processes outside Tap 2 Send’s direct control.
17. Fees and Exchange Rates
Transaction fees, conversion rates, network charges and third-party costs will be disclosed through relevant service documentation or the transaction process. Fees and rates may vary by transaction size, currency and timing. An enquiry does not guarantee a particular rate or price.
18. Geographic Restrictions
Services may be unavailable in countries, provinces, territories or jurisdictions due to laws, sanctions, regulatory permissions, supported corridors, banking arrangements, operational capabilities or customer eligibility. Tap 2 Send may decline services where activity is prohibited or unavailable.
19. Sanctions and Financial Crime Compliance
Tap 2 Send seeks to comply with Canadian anti-money laundering, anti-terrorist financing and sanctions requirements. Transactions and relationships may be screened and reviewed. Transactions may be restricted, delayed or declined where legally required or permitted.
20. Privacy and Data Protection
Personal information collected through onboarding and financial services is processed under our Privacy Policy and applicable law. Financial-compliance laws may require Tap 2 Send to collect, maintain or disclose specified information. Certain reporting activities are confidential.
21. Complaints and Customer Enquiries
General Enquiries: [GENERAL EMAIL]
Compliance Enquiries: [COMPLIANCE EMAIL]
Complaints: [COMPLAINTS EMAIL]
Privacy Officer: [PRIVACY EMAIL]
Any legally required external complaint or dispute-resolution mechanism will be identified in applicable customer documentation or complaints information.
22. Changes in Regulatory Status
Regulatory requirements and registration status may change. Tap 2 Send Ltd will update this page as appropriate to reflect material changes in verified regulatory information. Customers should refer to official regulatory registers for independent verification.
23. Important Notice
Information on this page explains the Company’s regulatory position and relevant risks. It is not a substitute for customer agreements, transaction disclosures, official regulatory records or independent legal and financial advice. No statement should be interpreted as a government guarantee or regulatory endorsement.
24. Company Contact
Tap 2 Send
Legal Entity: Tap 2 Send Ltd
Registered Address: [REGISTERED BUSINESS ADDRESS]
Email: [GENERAL CONTACT EMAIL]
Website: [WEBSITE DOMAIN]
End of Regulatory Disclosures
Information Protection
An approach to protecting personal and business information in accordance with applicable requirements.
Regulatory information must only be displayed where independently verified. Digital assets involve material risks.