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Quantoflow

Terms of Service

Please read our terms of service carefully before using Quantoflow.

Effective Date: January 1, 2026

1. Acceptance of Terms

By using or accessing the Quantoflow Systems Inc. website and platform (the "Website"), you agree to be bound by these Terms of Service (the "Terms"). If you are agreeing on behalf of an organization, you represent you have authority to bind it. If you do not agree to these Terms, you should not access or use the Website.

Key points:

  • Quantoflow's solutions and services ("Services") are governed by the user's Subscription Agreement
  • In case of any conflict between these Terms and a Subscription Agreement, the Subscription Agreement prevails

2. The Service

Quantoflow is a web-based regulatory reporting platform that assists clients in preparing, managing, and submitting compliance reports for the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

5 Types of Reports:

  • Large Virtual Currency Transaction Reports (LVCTR)
  • Large Cash Transaction Reports (LCTR)
  • Electronic Funds Transfer Reports (EFTR)
  • Casino Disbursement Reports (CDR)
  • Suspicious Transaction Reports (STR)

Platform Capabilities:

  • Automated generation and filing
  • API-based reporting integration
  • Web portal access for manual report filing and management

Core Platform Services

Regulatory Reporting Capabilities:

  • Automated generation and filing of Large Virtual Currency Transaction Reports (LVCTR)
  • Electronic Funds Transfer Reports (EFTR) generation and submission
  • Suspicious Transaction Reports (STR) filing and management
  • API-based reporting integration for automated compliance workflows
  • Web portal access for manual report filing and management

Transaction and Data Management:

  • Support for up to 500 transactions per report without customer definition limits
  • Real-time or near-real-time data synchronization with client databases
  • Secure API connections to customer account, transaction, KYB, business, and member data
  • Comprehensive data encryption and security protocols
  • Scalable architecture to accommodate business growth

Implementation Services

API Integration Development:

  • Custom API endpoint development connecting Quantoflow to client database infrastructure
  • Secure read/write capabilities across all critical data tables
  • Complete API documentation including specifications, authentication methods, and data schemas
  • Security protocol implementation ensuring compliance with data privacy regulations
  • Comprehensive testing, validation, and error handling mechanisms

Employee Training Program:

  • Customized training materials tailored to client workflows
  • Live and recorded training sessions for platform proficiency
  • User manuals, quick reference guides, and post-training support documentation
  • Coverage of platform navigation, reporting functions, compliance procedures, and best practices
  • Knowledge assessment materials to verify user competency

Technical Support

Support Availability:

  • Technical support via telephone and email during business hours (9:00 AM - 5:00 PM EST, weekdays excluding Federal Holidays)
  • Helpdesk ticket system accessible via email (ryan@quantoflow.com) or Slack
  • Response time commitment of 1-3 business days for all support inquiries

System Maintenance:

  • Scheduled maintenance window: 10:00 PM - 2:00 AM EST
  • Commercially reasonable efforts to minimize service disruption during maintenance periods

"A service provider can submit and correct a Suspicious Transaction Report on your behalf. However, as the reporting entity, you are ultimately responsible for meeting the requirements under the Proceeds of Money Laundering Terrorist Financing Act and associated Regulations, even if a service provider is reporting on your behalf. This legal responsibility cannot be delegated."

https://fintrac-canafe.canada.ca/guidance-directives/transaction-operation/str-dod/str-dod-eng.php

3. No Legal or Compliance Advice; Client as Reporting Entity

Quantoflow is a software tool only. It is not a reporting entity and does not provide legal, compliance, tax, accounting, or professional advice.

You remain solely responsible for:

  • Determining reportability of transactions
  • Meeting all regulatory obligations
  • Accuracy and completeness of filings
  • Confirming timely receipt and acceptance of filings by relevant authorities

You must consult with your own legal and compliance professionals to ensure your compliance program is adequate. Using Quantoflow does not transfer or reduce your statutory responsibilities under applicable anti-money laundering and financial reporting legislation.

4. Client Responsibilities

4.1 Accuracy & Review

You are solely responsible for:

  • Accuracy of all information entered or uploaded
  • Reviewing all draft reports before submission
  • Verifying receipt with the applicable regulatory authority

4.2 API Keys & Credentials

Your responsibilities include:

  • Safeguarding your login credentials and API keys
  • Limiting access to authorized and trained personnel only
  • Not sharing user accounts
  • Notifying us immediately of any unauthorized use

4.3 Fallback Capability

  • If the Service is unavailable, you must meet obligations via the regulatory authority's own submission methods

4.4 Data Retention and Record-Keeping

NOTICE: Quantoflow is not a long-term archive or record-keeping solution for regulatory purposes.

Important considerations:

  • All statutory report storage and record-keeping obligations rest solely with you
  • Quantoflow does not retain copies of reports once filed
  • Company-specific data is retained only while your subscription is active
  • Data will be permanently deleted or fully anonymized within 30 days of termination
  • You are responsible for exporting and saving any data before termination

5. Security & Verification

You agree to:

  • Protect your password and keep confidential any identification we provide
  • Take full responsibility for your account
  • Not authorize third parties to use your account
  • Be solely responsible for all activities under your profile
  • Immediately change your password if unauthorized use occurs
  • Notify us immediately of any breach of security
  • Provide additional information for identity verification when requested

Quantoflow's responsibilities:

  • Verify accuracy and completeness of information you provide
  • Refuse use of the Services without providing reasons if needed
  • Send electronic service messages for product updates and security notifications

6. Acceptable Use

You agree not to:

  • Resell the Services to third parties (except as permitted in your agreement)
  • Assign or transfer your account to other persons or entities
  • Use the Services for unlawful or fraudulent purposes
  • Harm the Services in any way
  • Copy or distribute the Website without written permission
  • Access the Services with unauthorized devices
  • Use any data mining, robots, or extraction methods

You agree to:

  • Use the Services only for your business use
  • Provide proof of identity as reasonably requested
  • Comply with all applicable laws including Canadian laws and local laws

Quantoflow's rights:

  • Immediately terminate your access for non-compliance
  • Investigate violations to the fullest extent of the law

7. Third-Party Services and Sub-Processors

Quantoflow uses third-party providers for:

  • Vercel
  • Amazon Web Services (AWS)
  • Google Cloud

Data handling:

  • Database hosting and storage of customer/location data
  • Client data stored on servers located in Canada
  • Data will not be moved outside this region without prior notice
  • May process personal data as sub-processors
  • Sub-processor list maintained on our website

8. Service Changes and Availability

Quantoflow may:

  • Modify, suspend, or discontinue the Service for maintenance, security, or third-party issues
  • Provide the Service on an "as-is" and "as-available" basis
  • Not guarantee uptime unless stated in a separate SLA

9. Intellectual Property

Quantoflow owns:

  • All rights, title, and interest in the Service
  • All software, workflows, text, graphics, user interface, and content

You receive:

  • Limited, non-exclusive, non-transferable, revocable license
  • License valid during your paid term for internal business purposes only

9.1 Restrictions on Use of Content

You shall not:

  • Take screenshots, screen recordings, or photographs without express consent (except for internal, non-commercial training or record-keeping)
  • Use Service Content to develop competing products or services
  • Use any data mining, robots, or extraction methods

Important:

  • Public distribution requires express prior written consent
  • Breach constitutes material breach of these Terms
  • May result in immediate account termination and legal action

10. Confidentiality

Confidential Information includes:

  • Information designated as confidential by either party
  • Information that should reasonably be understood as confidential

Does NOT include:

  • Publicly known information
  • Information already in your possession
  • Independently developed information
  • Information rightfully received from third parties

Both parties will:

  • Protect Confidential Information with same care used for own information
  • Use it solely for performing obligations under these Terms

11. Privacy

Quantoflow's data practices:

  • Collection, use, and disclosure described in Privacy Policy and Data Processing Addendum
  • Adherence to PIPEDA fair information principles
  • Reasonable safeguards to protect personal data in transit and at rest

12. Allocation of Risk and Liability

12.1 Client Responsibility

You bear sole responsibility for:

  • Determining reportability
  • Accuracy and completeness of all filings
  • Timely submission of filings
  • All interactions with regulators

Quantoflow does NOT:

  • Provide legal, tax, accounting, or regulatory advice
  • Guarantee compliance outcomes
  • Reduce your statutory responsibilities

12.2 Disclaimers

Important disclaimer:

  • Legislation in certain jurisdictions may not allow certain exclusions of liability
  • This disclaimer does not affect your statutory rights

Services are provided:

  • "As-is" and "as available" at your sole risk
  • Without any guarantees, representations, or warranties (express or implied)

Quantoflow disclaims all warranties, including:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement

Quantoflow does not warrant:

  • Filings will be accepted by regulatory authorities
  • Classifications are correct
  • Deadlines will be met
  • The Service will be uninterrupted, timely, secure, or error-free
  • Services will meet your requirements
  • Products obtained will meet your expectations or quality standards

12.3 Exclusion of Liability

Quantoflow is NOT liable for:

  • Any indirect, incidental, special, punitive, or consequential damages
  • Loss of profits, revenues, goodwill, opportunity, sales, or data
  • Business interruption
  • Regulatory penalties, fines, or sanctions
  • Damages for personal injury
  • Any other intangible losses

Excluded damages include but are not limited to:

  • Use or inability to use the Services
  • Damages from malware or viruses
  • Cost of substitute goods and services
  • Unauthorized access to or alteration of your data
  • Hardware, software, or network failures
  • Internet or communication disruptions
  • Power outages
  • Government restrictions
  • Regulator or exchange rulings
  • Suspension of services
  • Natural disasters
  • Labour disputes
  • Third-party delays, errors, or omissions

You waive, release, and discharge Quantoflow from:

  • All legal claims
  • All demands
  • All damages
  • All actions or causes of action

12.4 Limitation of Liability

Liability cap:

  • Quantoflow's liability excluded entirely (except where prohibited by law)
  • Maximum aggregate liability limited to fees paid for Services in the 12 months before the claim

12.5 Service Availability

Quantoflow does NOT guarantee:

  • Uninterrupted operation
  • Timely operation
  • Secure operation
  • Error-free operation

You acknowledge:

  • System outages, delays, or failures may occur
  • Quantoflow is not liable for any resulting loss, delay, or missed filing

13. Indemnification

You agree to indemnify, defend, and hold harmless Quantoflow for claims arising from:

  • Your data or filings
  • Your violation or breach of these Terms
  • Violation of any applicable law or regulation
  • Your violation of third-party rights
  • Your use or misuse of the Services
  • Any regulatory inquiry, action, or penalty connected with your use

14. Termination

Quantoflow may:

  • Suspend or terminate access for violations of these Terms
  • Suspend or terminate access for security risks

Upon termination:

  • Your license ends immediately
  • Data handling follows Section 4.4 and the Data Processing Addendum
  • Provisions survive including liability, indemnification, and dispute resolution sections

15. Dispute Resolution and Governing Law

These Terms are governed by:

  • Laws of the Province of Ontario
  • Laws of Canada applicable therein

Jurisdiction:

  • Exclusive jurisdiction of courts of Ontario
  • Venue in Toronto, Ontario

No class or representative actions:

  • Dispute resolution conducted only on individual basis
  • Not in a class, consolidated, or representative action

16. Changes to Terms

Quantoflow may amend these Terms:

  • Material changes notified in-app or by email
  • At least 30 days prior notice required before effective date
  • Continued use after effective date constitutes acceptance
  • Disagreement requires discontinuing use of Services

17. Entire Agreement

These Terms, together with, constitute the complete agreement:

  • Subscription Agreement
  • Order Form
  • Privacy Policy
  • Data Processing Addendum

These Terms supersede:

  • All prior or contemporaneous understandings
  • All prior or contemporaneous agreements
  • All prior or contemporaneous representations
  • All prior or contemporaneous warranties

18. Publicity and Logo Use

You grant Quantoflow the right to:

  • Use your company name as a reference
  • Use your logo for marketing and promotional purposes
  • Use in public and private communications

Conditions:

  • Subject to your standard trademark usage guidelines
  • Can be revoked at any time with written notice

19. General Provisions

Severability:

  • If any provision is found unenforceable or invalid
  • That provision will be limited or eliminated to minimum extent necessary
  • All other Terms remain in full force and effect

No Waiver:

  • Failure to exercise or enforce any right does not constitute waiver

Assignment:

  • You may not assign or transfer these Terms without Quantoflow's consent
  • Quantoflow may assign these Terms without restriction

Notices:

  • All notices must be in writing
  • Deemed given when received (if personally delivered)
  • Deemed given when electronically confirmed (if by email)
  • Deemed given the day after sent (if by certified mail, return receipt requested)

20. Contact Information

For questions about these Terms:

Support: Available via email or Slack during business hours (9:00 AM - 5:00 PM EST, weekdays excluding Federal Canadian Holidays).

21. Payment of Fees

Customer obligations:

  • Pay applicable fees described in Order Form
  • Pay for Services and Implementation Services per agreement terms
  • Pay for additional fees if usage exceeds Service Capacity

Company rights:

  • Change Fees or applicable charges
  • Institute new charges and Fees at end of Initial Service Term
  • Provide 30 days prior notice of changes (may be sent by email)

Billing disputes:

  • Contact Company within 60 days of first billing statement showing error
  • Request adjustment or credit
  • Direct inquiries to Company's customer support department

Payment terms:

  • Full payment for invoices due 30 days after mailing date
  • Unpaid amounts subject to 1.5% monthly finance charge (or maximum permitted by law)
  • Unpaid amounts may result in immediate termination
  • Customer responsible for all taxes except U.S. taxes based on net income

22. Warranty and Disclaimer

Company will:

  • Use reasonable efforts to maintain Services with minimal errors and interruptions
  • Perform Implementation Services in professional and workmanlike manner
  • Provide advance notice of scheduled service disruptions

Company does NOT warrant:

  • Services will be uninterrupted or error-free
  • Results obtained from use of the Services

Services and Implementation Services provided:

  • "As is" only
  • Without warranties, express or implied
  • Without merchantability warranty
  • Without fitness for a particular purpose warranty
  • Without non-infringement warranty

By using the Quantoflow Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.