About Us

MoneyTangle Inc. is a registered money service business with FINTRAC since March 16, 2016 – M16496583.

MoneyTangle Inc. provides a convenient bank-to-bank transfer service that is safe and fast for the diaspora community in Canada to send money to loved ones or themselves back home.

MoneyTangle Inc. also helps international students in Canada receive upkeep money as well as pay their tuition fees at a competitive exchange rate. To enquire about funds from your country please send an enquiry to upkeep@moneytangle.ca.

MoneyTangle Inc. promises to offer the most competitive exchange rate online for an incredibly cheap transaction fee and will beat any higher rate online reported by it’s subscribers.

Questions, notifications, requests for refunds or further information can be sent to MoneyTangle as follows:

Email:
support@moneytangle.ca

Phone or Text:
1-888-309-2119

Mail:
MoneyTangle Inc.
attn: Customer Service
Suite 118, 2727 28 Ave SE,
Calgary AB T2B 0L4,
Canada.

MoneyTangle Inc.
Suite 118, 2727 28 Ave SE,
Calgary AB T2B 0L4,
Canada
1-888-309-2119 (phone) support@moneytangle.ca .
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Terms and Conditions

The following terms and conditions govern how you may use this website and all services (“Services”) made available through it. ‘Services’, by definition for this agreement includes any access to MoneyTangle Service application(s) available via internet/web access, mobile and smart phones, tablets, or any other technology that allows you to access the Service, which exists now or in the future.
A MoneyTangle Inc. ("www.moneytangle.ca") Money Transfer customer (the "Sender") may send a Money Transfer to a designated receiver (the "Receiver") anywhere in the world where MoneyTangle Inc. (“www.moneytangle.ca”) offers its services over the Internet (the "Service") using email money transfer or any other electronic payment method ("Payment Method"). Money Transfers will normally be paid to the Receiver via bank transfers only. Certain money transfer services, transfers that exceed certain principal amounts, and/or transfers to certain destinations may take longer or be subject to additional restrictions. MoneyTangle Inc. (“www.moneytangle.ca”) reserves the right to limit the principal amount of a Money Transfer, or to decline to accept or pay any Money Transfer that it or its agents determine in their sole discretion violates any applicable law or MoneyTangle Inc. (“www.moneytangle.ca”) policy. Please contact MoneyTangle Inc. (“www.moneytangle.ca”) at the Customer Service telephone number listed below for current information regarding the conditions applicable to the service you have selected. When required by applicable law, Money Transfers sent or received in North America will be reported to federal, provincial, local and/or foreign authorities. You will be required to provide MoneyTangle Inc. (“www.moneytangle.ca”) with certain information to allow us, among other things: to verify your identity; to receive appropriate Payment Method authorization; and/or to complete the transaction. Please refer to MoneyTangle Inc. (“www.moneytangle.ca”)'s Online Privacy Statement for information concerning MoneyTangle Inc. ("www.moneytangle.ca") use of this and other personal information.
As used herein, these terms of service ("Terms", "Agreement") are an agreement between MoneyTangle Inc. ("MoneyTangle Inc.", "us", "we" or "our") and you ("User", "you" or "your"). This Agreement sets forth the general terms and conditions of your use of the http://www.moneytangle.ca website and any of its products or services (collectively, "Website" or "Services").
If you do not wish to abide by these terms and agreement, please do not sign up or use this Service.

Fees, Payments and Currency Exchange

Transfer Fees. In consideration for the use of the Service, you agree to pay to MoneyTangle Inc. (“www.moneytangle.ca”) a fee for each Money Transfer initiated by you at the applicable rate then in effect (the "Transfer Fee"). The applicable Transfer Fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services.
Currency Exchange. All payments will be made in the currency of the destination country. In addition to the transfer fees applicable to this transaction, a currency exchange rate will be applied. Canadian Dollars is converted to foreign currency at an exchange rate set by MoneyTangle Inc. (“www.moneytangle.ca”). Any difference between the rate given to customers and the rate received by MoneyTangle Inc. (“www.moneytangle.ca”) will be kept by MoneyTangle Inc. (“www.moneytangle.ca”) (and, in some cases, its international agents) in addition to the Transfer Fees. Any refund in the event of non-payment will be made at the applicable exchange rate as described above in effect at the time of reconversion into Canadian Dollars. For information concerning the current currency exchange rates provided by MoneyTangle Inc. (“www.moneytangle.ca”) to its customers call +1(888)3092119.
Payment. Transfer fees and the principal amount are due and payable before MoneyTangle Inc. (“www.moneytangle.ca”) processes the transaction. You must pay for the Service with your Payment Method. If MoneyTangle Inc. (“www.moneytangle.ca”) does not receive authorization from the Payment Method issuer, the transaction will be not be processed and funds will not be transmitted to the Receiver. MoneyTangle Inc. (“www.moneytangle.ca”) assumes no liability for damages resulting from or arising out of non-payment of the Money Transfer by reason of non-receipt of authorization from the Payment Method issuer. Each time you use the Service you agree that MoneyTangle Inc. (“www.moneytangle.ca”) is authorized to charge your designated Payment Method account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with your Payment Method issuer governs use of your Payment Method, and you must refer to that agreement to ascertain your rights and liabilities as a user of your Payment Method, which may include a "cash advance" fee.)

Refunds

REFUNDS OF PRINCIPAL AMOUNT and cancellation of the Money Transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by MoneyTangle Inc. (“www.moneytangle.ca”). Refunds will be made within 45 days of receipt of a valid written request from the Sender. REFUNDS OF FEES will be made upon written request of the Sender if the Money Transfer is not available to the Receiver within the time specified by MoneyTangle Inc. (“www.moneytangle.ca”) for the selected service, subject to the business hours of the location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of a valid written request from the Sender.

Collection of Information

If you create an account at the Website, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions. We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of this Agreement or that your conduct or content would tend to damage our reputation and goodwill. If we delete your account for the foregoing reasons, you may not re-register for our Services. We may block your email address and Internet protocol address to prevent further registration.

Intellectual property rights

This Agreement does not transfer from MoneyTangle Inc. to you any MoneyTangle Inc. or third party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with MoneyTangle Inc. All trademarks, service marks, graphics and logos used in connection with our Website or Services, are trademarks or registered trademarks of MoneyTangle Inc. or MoneyTangle Inc. licensors. Other trademarks, service marks, graphics and logos used in connection with our Website or Services may be the trademarks of other third parties. Your use of our Website and Services grants you no right or license to reproduce or otherwise use any MoneyTangle Inc. or third-party trademarks.

Disclaimer of warranty

YOU AGREE THAT THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MONEYTANGLE INC., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE TO ANY PERSON FOR (A): ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, COVER OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, REVENUE, SALES, GOODWILL, USE OR CONTENT, IMPACT ON BUSINESS, BUSINESS INTERRUPTION, LOSS OF ANTICIPATED SAVINGS, LOSS OF BUSINESS OPPORTUNITY) HOWEVER CAUSED, UNDER ANY THEORY OF LIABILITY, INCLUDING, WITHOUT LIMITATION, CONTRACT, TORT, WARRANTY, BREACH OF STATUTORY DUTY, NEGLIGENCE OR OTHERWISE, EVEN IF MONEYTANGLE INC. HAS BEEN ADVISED AS TO THE POSSIBILITY OF SUCH DAMAGES OR COULD HAVE FORESEEN SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF MONEYTANGLE INC. AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS AND LICENSORS, RELATING TO THE SERVICES WILL BE LIMITED TO AN AMOUNT GREATER OF ONE DOLLAR OR ANY AMOUNTS ACTUALLY PAID IN CASH BY YOU TO MONEYTANGLE INC. FOR THE PRIOR ONE-MONTH PERIOD PRIOR TO THE FIRST EVENT OR OCCURRENCE GIVING RISE TO SUCH LIABILITY. THE LIMITATIONS AND EXCLUSIONS ALSO APPLY IF THIS REMEDY DOES NOT FULLY COMPENSATE YOU FOR ANY LOSSES OR FAILS OF ITS ESSENTIAL PURPOSE.
MONEYTANGLE INC. (“WWW.MONEYTANGLE.CA”) AND ITS AGENTS RESERVE THE RIGHT TO DECLINE TO SEND OR REFUSE TO PAY ANY MONEY TRANSFER THAT EITHER OF THEM DETERMINES IN THEIR SOLE DISCRETION VIOLATES ANY APPLICABLE LAW OR MONEYTANGLE INC. (“WWW.MONEYTANGLE.CA”) POLICY.

Indemnification

You agree to indemnify and hold MoneyTangle Inc. and its affiliates, directors, officers, employees, and agents harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys' fees, incurred in connection with or arising from any third-party allegations, claims, actions, disputes, or demands asserted against any of them as a result of or relating to your Content, your use of the Website or Services or any willful misconduct on your part.

Severability

All rights and restrictions contained in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable. If any provision or portion of any provision of this Agreement shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof, and all such remaining provisions or portions thereof shall remain in full force and effect.

Assignment

You may not assign, resell, sub-license or otherwise transfer or delegate any of your rights or obligations hereunder, in whole or in part, without our prior written consent, which consent shall be at our own sole discretion and without obligation; any such assignment or transfer shall be null and void. We are is free to assign any of its rights or obligations hereunder, in whole or in part, to any third party as part of the sale of all or substantially all of its assets or stock or as part of a merger.

Changes and amendments

We reserve the right to modify this Agreement or its policies relating to the Website or Services at any time, effective upon posting of an updated version of this Agreement on the Website. When we do we will send you an email to notify you. Continued use of the Website after any such changes shall constitute your consent to such changes.

Acceptance of these terms

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Website or its Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to use or access the Website and its Services.

Contacting us

If you have any questions about this Policy, please contact us:
Phone:
1-888-309-2119
Email: support@moneytangle.ca

Privacy Policy

Policy Effective as of April 17, 2016.
This privacy policy ("Policy") describes how we collect, protect and use the personally identifiable information ("Personal Information") you ("User", "you" or "your") provide on the http://www.moneytangle.ca website and any of its products or services (collectively, "Website" or "Services") owned and operated by MoneyTangle Inc. ("MoneyTangle Inc.", "us", "we" or "our"). It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. This Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage.
We may update this privacy statement to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Collection of personal information

When you initiate the online registration process for a transaction with MoneyTangle, we ask for certain personal information, for example, your name, date of birth, email address, physical address, driver’s license number, Social Security Number, passport and financial or banking account information. In general, we seek to limit the amount and type of information collected to that which is necessary to run our everyday business and provide our products and services. If you choose to add a beneficiary on our website, we will ask you for your beneficiary’s name, email address, financial information (bank information) and physical address.

Use of collected information

MoneyTangle collects personal information about you so that we can effectively provide our services to you including:

  • processing and settling currency exchange money transfers;
  • verify your identity;
  • managing fraud and security risks;
  • responding to your inquiries and requests for technical support; and
  • complying with legal and regulatory requirements.

If we need to use your information for any other purpose, we will identify that purpose to you. We may also use your information to communicate special offers, new products or features or invite you to participate in surveys or opinion-gathering devices. If you do not wish to receive such communications, you may “opt out” at the time MoneyTangle collects information or at any time thereafter by simply contacting us at 1-888-309-2119 or support@moneytangle.ca


Managing personal information

You are able to access, add to, update and delete certain Personal Information about you. The information you can view, update, and delete may change as the Website or Services change. When you update information, however, we may maintain a copy of the unrevised information in our records. We will retain your information for as long as your account is active or as needed to provide you Services. Some information may remain in our private records after your deletion of such information from your account. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We may use any aggregated data derived from or incorporating your Personal Information after you update or delete it, but not in a manner that would identify you personally.

Children

We do not knowingly collect any personal information from children under the age of 13. If you are under the age of 13, please do not submit any personal information through our Website or Service. We encourage parents and legal guardians to monitor their children's Internet usage and to help enforce this Policy by instructing their children never to provide personal information through our Website or Service without their permission. If you have reason to believe that a child under the age of 13 has provided personal information to us through our Website or Service, please contact us.

Newsletters

We offer electronic newsletters to which you may voluntarily subscribe at any time. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting us. However, you will continue to receive essential transactional emails.

Cookies

The Website uses "cookies" to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. We may use cookies to collect, store, and track information for statistical purposes to operate our Website and Services. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer.

Advertisement

We may display online advertisements and we may share aggregated and non-identifying information about our customers that we collect through the registration process or through online surveys and promotions with certain advertisers. We do not share personally identifiable information about individual customers with advertisers. In some instances, we may use this aggregated and non-identifying information to deliver tailored advertisements to the intended audience.

Affiliates

We may disclose information about you to our affiliates for the purpose of being able to offer you related or additional products and services. Any information relating to you that we provide to our affiliates will be treated by those affiliates in accordance with the terms of this Privacy Policy.

Links to other websites

Our Website contains links to other websites that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices of such other websites or third parties. We encourage you to be aware when you leave our Website and to read the privacy statements of each and every website that may collect personal information.

Information security

We secure information you provide on computer servers in a controlled, secure environment [RapidSSL], protected from unauthorized access, use, or disclosure. We maintain reasonable administrative, technical, and physical safeguards in an effort to protect against unauthorized access, use, modification, and disclosure of personal information in its control and custody. However, no data transmission over the Internet or wireless network can be guaranteed. Therefore, while we strive to protect your personal information, you acknowledge that (i) there are security and privacy limitations of the Internet which are beyond our control; (ii) the security, integrity, and privacy of any and all information and data exchanged between you and our Website cannot be guaranteed; and (iii) any such information and data may be viewed or tampered with in transit by a third party, despite best efforts.

Data breach

In the event we become aware that the security of the Website has been compromised or users Personal Information has been disclosed to unrelated third parties as a result of external activity, including, but not limited to, security attacks or fraud, we reserve the right to take reasonably appropriate measures, including, but not limited to, investigation and reporting, as well as notification to and cooperation with law enforcement authorities. In the event of a data breach, we will make reasonable efforts to notify affected individuals if we believe that there is a reasonable risk of harm to the user as a result of the breach or if notice is otherwise required by law. When we do we will post a notice on the Website, send you an email.

Legal disclosure

We will disclose any information we collect, use or receive if required or permitted by law, such as to comply with a subpoena, or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. In the event we go through a business transition, such as a merger or acquisition by another company, or sale of all or a portion of its assets, your user account and personal data will likely be among the assets transferred.

Changes and amendments

We reserve the right to modify this privacy policy relating to the Website or Services at any time, effective upon posting of an updated version of this privacy policy on the Website. When we do we will send you an email to notify you. Continued use of the Website after any such changes shall constitute your consent to such changes.

Acceptance of this policy

You acknowledge that you have read this Policy and agree to all its terms and conditions. By using the Website or its Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to use or access the Website and its Services.

Contacting us

If you have any questions about this Policy, please contact us:
Email:
support@moneytangle.ca
Phone or Text:
1-888-309-2119

FAQs

  • What are the key benefits and features?
    • Best Locked-in Online Exchange Rates: We will match or beat any rate anywhere on the internet. Our team are constantly updating rates to ensure our customers get the best rate possible and time of transaction.
    • Low Transfer Fees: We have one of the lowest transfer fees options online.
    • 100% Money Back Guarantee:If your online money transfer is not completed or delivered after you have funded the transaction, you may request a refund and you will be refunded the full amount.
    • Guarantees Security & Privacy: Your user credentials are stored in a secured [RapidSSL] server.
    • Fast Transfers: Once funding is received for a posted transaction, money transfer will typically occur within 30 minutes – 1hr.
    • Flexible and Convenient Transfer Limits: Send any amount any time online from $50-$3,000 daily to $10,000 monthly.
  • How does payment via email money transfer work?
    • After completing transfer details there will be instruction on how to send the e-transfer on the final submission screen. There will also be a “remittance creation” email sent to your email with instructions on how to send the e-transfer.
    • What does it cost to register?
      • Registration is free, and there are no obligations to open an account.
    • What are the sending limits and fees?
      • Transaction Fee:
        The transaction fee is set at $5 flat for increments of $1000. Example: 0-$1000 =>$5, $1001-$2000=>$10, $2001-$3000=>$15, etc.
      • Sending Limits:
        Accounts are established with a $10,000 per month sending limit.
      • For transactions amounting to $999 and below;we will require you to submit:
        • Valid, current International passport or driver’s license.
        • For USA & CANADA customers – any of the following:
          • Passport
          • Driver’s license
        • If you are not a US or Canadian citizen, you will be required to submit:
          • Valid Foreign Issued Passport
      • For transactions amounting to $1000 - $3000
        • The above document plus the two below
        • Most recent monthly e-statement of your credit card or online banking
        • Most recent monthly e-statement of your phone or utility bill
  • What payment options do you support?
    • Currently we only support email money transfer and interact online. But in the near future we will support other payment options. However, other payment options incur vendor transaction fees which will be passed on to the customer if they choose any other payment method other than e-transfer which provides the cheapest transfer fee.
  • What currencies can I use to pay?
    • Currently we only accept CAD. But we will be able to accept USD in the near future.
  • Can I pay for goods and services using this platform?
    • No. However we are working on a service that will allow international students pay their tuition/application fees from back home through this platform.
  • How can a recipient receive their money?
    • We carry out bank-to-bank transfers. A recipient would need to have a bank account in receiving country to be able receive money from you.
  • I am an international Student.
    • Can my parents send me money through this platform?
      • Yes. Send an email to upkeep@moneytangle.ca to enquire
    • Can I pay my tuition fees through this platform?
      • Yes. Send an email to upkeep@moneytangle.ca to enquire