JOURNIE TERMS & CONDITIONS
Last Updated: June 2026
These Terms & Conditions ("Terms") govern your use of the Journie platform and services operated by Journie Financial Inc., a registered Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Registration No. [Your FINTRAC Number]. By accessing or using Journie, you agree to be bound by these Terms.
1. Use of Services
Eligibility: You must be at least 18 years of age, a resident of Canada, and legally capable of entering a binding contract to use Journie. By registering, you confirm that all information provided is accurate and belongs to you.
Account Registration: You agree to provide accurate, current, and complete information when creating a Journie account. You are responsible for maintaining the confidentiality of your login credentials and for all activity conducted under your account. You must notify us immediately at support@myjournie.com of any unauthorized use.
Prohibited Activities: You agree not to use Journie for any unlawful, fraudulent, or unauthorized purpose, including but not limited to: money laundering, terrorist financing, structuring transactions to evade reporting requirements, fraud, identity theft, or any activity that violates the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), the Criminal Code of Canada, or any applicable provincial or federal law.
2. Know Your Customer (KYC) & Identity Verification
In compliance with FINTRAC regulations and Canadian AML/ATF requirements, Journie is required to verify your identity before processing transactions. You agree to:
- Provide government-issued identification documents when requested
- Complete enhanced due diligence if required for large or high-risk transactions
- Consent to ongoing monitoring of your account activity
- Provide the source of funds information for transactions above regulatory thresholds
Journie reserves the right to suspend or terminate your account and report suspicious activity to FINTRAC as required by law.
3. Transaction Limits & Reporting
As an FINTRAC-registered MSB, Journie is legally required to:
- Report all cash transactions of CAD $10,000 or more (Large Cash Transaction Reports)
- Report international electronic fund transfers of CAD $10,000 or more (Electronic Funds Transfer Reports)
- Report any suspicious transactions regardless of amount
- Retain transaction records for a minimum of five (5) years
By using Journie, you acknowledge and consent to these reporting obligations.
4. Payments, Fees & Currency Conversion
Transaction Fees: Journie may charge fees for certain transactions. All applicable fees are clearly disclosed before you confirm any transaction. No hidden charges apply.
Currency Conversion: Exchange rates are determined at the time of your transaction and may include a spread or markup. The rate applied to your transaction will be displayed prior to confirmation. Rates fluctuate and are not guaranteed until a transaction is confirmed.
Refunds: Transactions that have been processed and submitted to the recipient's bank cannot be reversed. Contact support@myjournie.com immediately if you believe an error has occurred.
5. Privacy & Data Protection
Journie collects, uses, and retains personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. Your information may be disclosed to FINTRAC, law enforcement, or regulatory authorities as required by law. For full details, please review our Privacy Policy.
6. Intellectual Property
All content, logos, trademarks, software, and intellectual property on the Journie platform are owned by or licensed to Journie Financial Inc. You may not reproduce, distribute, or create derivative works without our prior written consent.
7. Limitation of Liability
Journie provides its services on an "as is" and "as available" basis. While we take all reasonable steps to ensure service reliability and security, we do not guarantee uninterrupted access. Journie shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the platform, including losses due to unauthorized account access resulting from failure to safeguard your credentials.
8. Governing Law & Dispute Resolution
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these Terms shall first be submitted to mediation. If unresolved, disputes shall be referred to binding arbitration under the Arbitration Act, 1991 (Ontario). Nothing in this clause prevents either party from seeking urgent injunctive relief from a court of competent jurisdiction.
9. Complaints
Journie is committed to resolving complaints promptly and fairly. If you have a complaint, contact us at support@myjournie.com. We will acknowledge your complaint within 5 business days and provide a resolution within 30 days. If you remain unsatisfied, you may escalate to the Financial Consumer Agency of Canada (FCAC) at www.canada.ca/fcac.
10. Changes to These Terms
Journie reserves the right to update these Terms at any time to reflect changes in law, regulation, or our services. Material changes will be communicated via email or a prominent notice on the platform at least 14 days before taking effect. Continued use of Journie after the effective date constitutes acceptance of the revised Terms.
11. Contact Us
Journie Financial Inc. 3–5 Pearl Crescent, Chatham, Ontario, Canada, N7M 5R7 📧 support@myjournie.com 📞 +1 854 846 55
FINTRAC-Registered Money Services Business