Last updated: February 2026
These Terms and Conditions (hereinafter the "Terms") govern access to and use of the Quickei digital financial services platform (hereinafter the "Platform"), operated by Quickei (hereinafter "Quickei", "we", "our" or "us"). They constitute a legally binding agreement between you (hereinafter "you", "your", the "User") and Quickei.
By creating an account, accessing the Platform or using any of our services, you represent that you have read, understood and unreservedly accepted these Terms. If you do not agree to these Terms, you must not use our services.
Use of the Platform is conditional upon full and unreserved acceptance of these Terms. Such acceptance is evidenced by the creation of an Account or by any use of the Platform.
Quickei reserves the right to modify these Terms at any time. In the event of a substantial modification:
These Terms are supplemented by the following documents, which form an integral part hereof:
In the event of conflict between these documents, the special conditions applicable to the relevant service shall prevail.
You must be at least 18 years old (or the age of legal majority in your jurisdiction, if higher) to create an Account and use our services.
You represent that you have full legal capacity to enter into a contract and use financial services. If you are acting on behalf of a legal entity (Agent or Merchant), you represent that you are duly authorized to bind such entity.
Our services are not available in countries or territories subject to international sanctions or regulatory restrictions that prevent us from providing our services. Quickei reserves the right to refuse or restrict access to its services in certain jurisdictions, at its sole discretion.
Each natural person may hold only one User Account. The creation of multiple accounts is strictly prohibited and constitutes grounds for immediate suspension or closure of all accounts concerned.
To create an Account, you must provide accurate, complete and up-to-date information, including:
You undertake to keep this information up to date throughout your use of the Platform.
In compliance with applicable anti-money laundering (AML) and counter-terrorism financing (CFT) regulations, Quickei is required to verify the identity of its users. You agree to:
Access to certain services may be limited or suspended until the KYC verification process is completed and approved.
You must verify your email address and phone number via the confirmation codes sent during registration. Certain services may be inaccessible until these verifications are completed.
You warrant that all information provided during registration and throughout your use of the Platform is accurate, truthful and complete. The provision of false, incomplete or misleading information constitutes a breach of these Terms and may result in the immediate suspension or closure of your Account, without prejudice to any legal action.
The Platform offers the following digital financial services, subject to availability in your jurisdiction and completion of required verification procedures:
Transfer of funds between Platform Users. Transfers are made wallet-to-wallet, in real time, in the currency of the sender's or recipient's wallet.
Ability to send a payment request to another User, who may accept or decline the request.
Conversion of funds between different currencies available on the Platform. Exchange rates are determined in real time based on market data provided by third-party providers, to which a margin may be applied.
Sending of funds to international beneficiaries via various delivery methods:
International transfers are subject to enhanced compliance checks and may require additional information about the beneficiary.
Funding your Wallet via available payment methods: bank card, wire transfer, mobile payment, cryptocurrency or any other method made available on the Platform.
Transfer of funds from your Wallet to an external bank account, digital wallet or any other available withdrawal method.
Making direct payments to Merchants or other Users for goods and services, including via payment links and QR codes.
Ability to transfer funds from your Wallet to an authorized Quickei Agent for cash withdrawal.
Issuance of virtual payment cards enabling online purchases. Virtual cards are issued by licensed issuing partners and are subject to their own terms of use, spending limits and verification procedures. The issuance of a virtual card may require the provision of additional identification data, including biometric data.
Purchase of digital gift cards from partner merchants, using your Wallet balance.
Payment of utility bills and various service invoices directly from your Wallet.
Reloading prepaid mobile phone credit for yourself or a third party, using your Wallet balance.
Posting of buy or sell offers for currencies between Users, with negotiation of rates and terms. P2P transactions include a live chat system to facilitate communication between parties.
A marketplace enabling Users to list and acquire digital goods and services, with payment via the Quickei Wallet.
Creation of payment links and QR codes to receive payments from third parties, including persons who do not hold a Quickei Account.
Deposit of funds via supported cryptocurrencies. Cryptocurrency transactions are subject to the specific conditions of the relevant blockchain network (confirmation times, network fees).
A program enabling Users to refer new registrants and earn commissions on their referees' transactions, in accordance with the terms in effect.
Agents are intermediaries authorized by Quickei to provide cash deposit and withdrawal services to Users. Agents are not employees of Quickei and act as independent service providers.
In addition to the obligations applicable to all users, the Agent undertakes to:
Agents earn commissions on processed transactions, in accordance with the current schedule. Quickei reserves the right to modify commission rates with reasonable notice.
Merchants use the Platform to accept payments in the course of their commercial activity, via Wallet, payment links, QR codes and developer APIs.
Merchants with an approved Account may access API keys enabling integration of Quickei payment services into their own platforms. The Merchant is solely responsible for the security of their API keys and their use in compliance with these Terms and the technical documentation provided.
The Merchant undertakes to:
Use of the services is subject to fees and commissions, details of which are accessible on the Platform. Fees vary according to:
Additional fees may be charged by third-party providers (banks, payment operators, blockchain networks) independently of Quickei fees. These fees are not controlled by Quickei and you are solely responsible for them.
Exchange rates applied to conversion operations are based on real-time market data, to which Quickei may apply a margin. The rate displayed at the time of transaction confirmation is the rate applied. Quickei does not guarantee exchange rate stability between the time of initiation and confirmation of the transaction.
Quickei reserves the right to modify its fee schedule at any time. Any modification will be communicated with reasonable notice via the Platform and/or by email. Transactions initiated before the modification takes effect will be subject to the previous fees.
Each transaction type is subject to minimum and maximum amounts, which may vary according to your KYC verification level, account type and jurisdiction. These limits are available on the Platform and may be modified by Quickei at any time.
You are solely responsible for:
Quickei provides a two-factor authentication mechanism to secure access to your Account. We strongly recommend its activation. Quickei shall not be held liable for unauthorized access resulting from failure to activate 2FA.
You must immediately notify us at security@quickei.com of any unauthorized use of your Account, any loss or theft of your credentials, or any suspicious activity. Until such notification is made, you remain responsible for all transactions carried out from your Account.
Quickei implements security measures consistent with financial industry standards, including data encryption, payment data tokenization, transaction monitoring and anomaly detection. However, no system is infallible and Quickei cannot guarantee absolute security.
By using the Platform, you undertake to:
It is strictly prohibited to use the Platform for:
In the event of a breach of these Terms, Quickei reserves the right, without notice and at its sole discretion, to:
Quickei is subject to anti-money laundering (AML), counter-terrorism financing (CFT) and international sanctions regulations. Accordingly, Quickei implements the following measures:
You agree to provide any additional information or documentation requested by Quickei in connection with its compliance obligations. Failure to cooperate may result in the suspension or closure of your Account.
Quickei may, without notice, freeze funds or block transactions if:
The Platform, including its source code, architecture, design, logos, trademarks, texts and all other content, is the exclusive property of Quickei or its licensors. They are protected by applicable intellectual property laws.
Quickei grants you a personal, non-exclusive, non-transferable, revocable and limited license to access and use the Platform solely for the purposes set forth in these Terms. This license does not confer any ownership rights over the Platform or its content.
You undertake not to:
Quickei endeavors to ensure continuous availability of the Platform but does not guarantee uninterrupted or error-free access. The Platform may be temporarily unavailable due to maintenance, updates, force majeure or circumstances beyond our control.
To the fullest extent permitted by applicable law, Quickei shall not be liable for:
In any event, Quickei's total aggregate liability, for all causes combined, shall be limited to the amount of fees actually paid by you to Quickei during the 12 months preceding the event giving rise to the damage, or the amount of the disputed transaction, whichever is lower.
Transactions carried out on the Platform are in principle irreversible once confirmed. Quickei cannot guarantee the recovery of funds sent to the wrong recipient or for an incorrect amount. It is your responsibility to carefully verify the details of each transaction before confirming it.
You agree to indemnify, defend and hold harmless Quickei, its officers, employees, agents and partners from and against any claim, loss, damage, liability, cost and expense (including reasonable attorney's fees) arising from:
For any questions, difficulties or complaints relating to our services, you may contact our customer support team at support@quickei.com. We commit to acknowledging receipt of your request within 5 business days and providing a response within a reasonable timeframe.
If you identify a transaction you did not authorize or an error in a transaction, you must inform us within 30 calendar days of the transaction date. Beyond this period, the transaction shall be deemed accepted.
In the event of a dispute, the parties undertake to seek an amicable solution before any legal action. Any complaint must be addressed in writing to Quickei, which shall have 30 days to propose a resolution.
Failing amicable resolution, you may have recourse to a mediator free of charge in accordance with applicable consumer dispute mediation regulations.
Quickei reserves the right to suspend your Account, with or without notice, in the following cases:
You may request the closure of your Account at any time by contacting customer support. Before closure:
Closure of your Account results in:
Closure does not release you from obligations arising prior thereto, including unpaid fees or pending disputes.
In the event of closure, if funds remain in your Wallet, Quickei will make reasonable efforts to return them to you by an appropriate means (bank transfer, check). If the funds cannot be returned after reasonable attempts over a period of 12 months, they will be handled in accordance with applicable unclaimed funds legislation.
Quickei shall not be liable for any delay or failure in the performance of its obligations resulting from force majeure events, including but not limited to: natural disasters, wars, acts of terrorism, epidemics, infrastructure failures (electricity, telecommunications, internet), government actions, sanctions, cyberattacks, failure of essential third-party providers, or any other unforeseeable and irresistible event beyond Quickei's reasonable control.
These Terms, together with the Privacy Policy and the fee schedule, constitute the entire agreement between you and Quickei regarding use of the Platform, and supersede any prior agreement relating to the same subject matter.
If any provision of these Terms is declared void, invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The affected provision shall be interpreted or replaced by a valid provision that best reflects the original intent of the parties.
Quickei's failure to exercise a right or to require the performance of an obligation under these Terms shall not constitute a waiver of such right or obligation.
You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Quickei. Quickei may freely assign or transfer its rights and obligations to any third party, particularly in connection with a merger, acquisition or asset sale.
These Terms are drafted in French and English. In the event of any discrepancy between the versions, the French version shall prevail.
These Terms are governed by the laws applicable at Quickei's registered office. Any dispute relating to the interpretation, validity or performance of these Terms shall be submitted to the exclusive jurisdiction of the courts of Quickei's registered office, subject to mandatory consumer protection provisions of your jurisdiction of residence.
For any questions regarding these Terms:
Quickei
Email: support@quickei.com
Address: 9165 rue Lennon Suite 714, Brossard, QC, J4Z0N9, Canada
Effective date: February 2026
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