Terms and Conditions
Introduction

This Customer Agreement (this “Customer Agreement”) sets forth the terms and conditions for the use of the RemitLand services (the “Services”), which include the use of mobile applications, websites, software and other products we offer, provided by RemitLand Fintech Inc. (“RemitLand”, “we”, “us”, and “our”).

By opening, registering, or using a RemitLand Account, or by otherwise using the Services, customers (“you”, “your” or “Customer”) agree to be bound by this Customer Agreement and consent to receive communications related to the Services or your RemitLand Account in electronic format.

If you do not accept this Customer Agreement, you will not be able to use the Services.

  • By using the Services and accepting this Customer Agreement, you also agree to comply with and accept: (i) the RemitLand Privacy Policy; and (ii) the RemitLand Acceptable Use Policy.
  • Use of certain Services may be subject to additional terms and conditions communicated through the Service, which are incorporated into this Customer Agreement.
  • Headings are for reference only. Some capitalized terms have specific definitions in this Customer Agreement.
  • You can always see the most current version of this Customer Agreement on our website.
1. RemitLand and its Affiliates

RemitLand is registered in Canada with the Financial Transactions Reports Analysis Centre of Canada (“FINTRAC”), registration number C100000615.

RemitLand is registered as a money service business and is able to provide foreign exchange dealings and money transfer services to customers resident in Canada.

2. Eligibility

To be eligible for our Services, you must be at least 18 years old, or the age of majority in your province or territory of residence.

  • If you are an individual and you open a RemitLand Account, you represent and warrant that you are acting exclusively for your own benefit and are not acting on behalf of any third-party principal or any third-party beneficiary.
  • You must only use the Services to transact on your own account and not on behalf of any other person or entity.
3. The Services
A. Opening a RemitLand Account

In order to use some or all of the Services, you must first open a RemitLand Account by providing certain information.

For compliance and legal reasons, all information you provide during the signup process or any time thereafter must be complete, accurate and truthful.

You are responsible for keeping your mailing address, email address, telephone number, and other contact information up-to-date in your RemitLand Account profile.

  • You may make changes to your account at any time via accessing the RemitLand website.
  • We may refuse to provide or may discontinue providing the Services to any person or entity at any time for any reason.
  • We treat all activities under a RemitLand Account to be those of the registered user.
i. Account Security and Privacy

Protecting your privacy is very important to RemitLand. Your passwords are stored on RemitLand servers in encrypted form.

We do not disclose your personal information, including account details, postal or email addresses to anyone except when required to do so by applicable laws and as specified in our Privacy Policy.

Sensitive information between your browser and the RemitLand Website is transferred in encrypted form. When transmitting sensitive information, you should always make sure that your browser can validate the RemitLand Website certificate.

  • You (not RemitLand) are responsible for maintaining adequate security and control of any and all IDs, passwords, or any other details that you use to access your RemitLand Account and the Services.
  • You must never disclose your RemitLand Account password or your username. We will never ask you to provide your password to us or to a third party.
  • If you suspect your RemitLand Account, login details, password or any other security features are stolen, lost, used without authorization or otherwise compromised, you are advised to change your password and contact Support immediately.
  • We rely on you to regularly check the transaction history of your RemitLand Account and to contact Support immediately in case you have any questions or concerns.
  • We may (but are not obligated to) suspend your RemitLand Account or otherwise restrict its functionality if we have concerns about security or potential unauthorized or fraudulent use.
  • You must make sure that your email account(s) are secure and only accessible by you; your email address may be used to reset passwords or to communicate with you about the security of your account.
ii. Authorized Users

You may appoint an Authorized User to act on your behalf to conduct certain transactions or give instructions to RemitLand under this Customer Agreement.

  • You must set up each Authorized User with a profile and promptly provide RemitLand with the details RemitLand may reasonably require (including contact and identification information).
  • You will ensure Authorized Users comply with this Customer Agreement. References to “Customer”, “you” and “your” include Authorized Users where the context requires.
  • RemitLand will receive instructions from Authorized Users through the RemitLand website or, under prior arrangements, manually through a RemitLand representative.
  • You are bound by the actions of Authorized Users until you provide written notice withdrawing or varying their authority.
  • You will promptly report to RemitLand any infringements or unauthorized access to the RemitLand Website (including any mobile applications) or any Service.
iii. Duplicate Accounts

RemitLand reserves the right to refuse the creation of duplicate accounts for the same user due to security and client identification requirements.

  • Where duplicate accounts are detected, RemitLand reserves the right to close or merge these duplicate accounts without notification to you.
iv. Verification

If you open a RemitLand Account and use certain Services, applicable laws require that we verify some of your information.

You authorize RemitLand to make any inquiries we consider necessary to validate your identity, either directly or through third parties, including checking commercial databases or credit reports.

  • RemitLand reserves the right to access various government and private databases to verify your information.
  • RemitLand reserves the right to close, suspend, or limit access to your RemitLand Account and/or the Services in the event we are unable to obtain or verify required information.
  • RemitLand reserves the right to request documents at any time for compliance purposes with applicable laws and regulations.
B. Types of Accounts

RemitLand offers two accounts to its customers: (a) Business Accounts; and (b) Personal Accounts. RemitLand reserves the right to add, subtract or modify the types, benefits, features, and limits of RemitLand Accounts.

i. Business Accounts

RemitLand Business Accounts can be opened after know-your-business verification. Business Accounts have access to a broader set of RemitLand Services, including invoice-based settlement, corporate tools, and higher currency conversion or transaction limits.

ii. Personal Accounts

RemitLand Personal Accounts are limited-feature accounts which cannot be used for business purposes, do not have access to RemitLand’s full suite of Services (including invoice-based settlement), and are subject to lower currency conversion or transaction limits.

  • RemitLand reserves the right to close Personal Accounts used for business purposes.
C. Uploading Money

You may upload money in supported currencies (including supported cryptocurrencies, as applicable) into your RemitLand Account in order to (i) convert the currency, (ii) send it to another person or to your own account or (iii) hold a balance in your RemitLand Account for use later.

Currencies supported for these actions are listed on the RemitLand Website.

  • You can upload money through one or more methods (for example EFT/pre-authorized debit, wire transfer, debit/credit card, or Interac). Availability depends on factors including your verification status.
  • Upload methods are provided by third parties and are not part of RemitLand’s Services. We may change or stop offering a particular upload method at any time without notice.
  • We will credit your RemitLand Account once we have received your money; we are not responsible for uploaded money until we receive it.
  • For legal and security reasons, we may impose limits on how much you can upload into your RemitLand Account.
i. Upload Money by Pre-Authorized Debit
  • You will need to provide (or we will receive through bank login information provided by you) your bank account details.
  • By using this feature, you confirm your details are correct, you are authorized to access and transmit funds, you have sufficient funds, your bank account is in good standing, and you have authority to initiate an EFT in the amount at issue.
  • If you cancel in accordance with this Customer Agreement, we will promptly return the deposit to the account from which it originated, assuming the money is not yet received by RemitLand.
ii. Upload Money by Debit or Credit Card
  • You will need to provide your card details (including card number and cardholder name).
  • By using this method, you confirm your details are correct, you are authorized to access and transmit funds, your card account is in good standing, and you have authority to initiate the card payment.
  • You (not RemitLand) are responsible for any cash advance fees (or similar charges) charged by your financial institution.
iii. Upload Money by Interac™
  • You will need to provide your email address or phone number.
  • By using this method, you confirm you are authorized to access and transmit funds from your bank account via Interac™ and have authority to initiate an Interac™ e-transfer or approve an Interac™ request payment.
  • Your bank may restrict the amount you may send and the frequency of Interac™ transfers.
iv. Upload Money by Wire or Electronic Funds Transfer From your Bank Account
  • If you choose EFT or domestic wire transfer, your transaction order will remain inactive until we receive your funds to our specified account.
  • If the upload transaction is cancelled or refused, we will promptly return the deposit to the bank account from which the transaction originated (and if we are unable to return the deposit, we will contact you using your most current contact information).
v. Other
  • No other payment methods are accepted, including cash, mailed check, or electronic check.
  • Financial limits may apply for particular payment methods or currencies; please visit the Frequently Asked Questions section for more information.
  • If you selected an upload method that provides reversal/chargeback rights (for example credit card), please see the Reversals and Chargebacks section.
D. Receiving Money from Third Parties

In certain currencies, we may provide you specified bank account details that you can provide to third parties so they can send money to your RemitLand Account using supported methods.

These specified bank account details are for accounts held by RemitLand and its affiliates, and are not for a bank account held by you.

  • Money will appear in your RemitLand Account once received. You should check incoming funds against your records regularly and notify us of irregularities.
  • Received funds may be subject to reversal or chargeback; you agree we may deduct the received amount if reversed by the payer or a relevant provider.
  • If you provide the specified account details to a third party, you agree you will not impose a surcharge or fee solely for accepting payment through a Service offered by RemitLand.
E. Holding a Balance in your RemitLand Account
i. RemitLand is not a Bank and your RemitLand Account is not a bank account

Money you hold with RemitLand (in any currency) is not insured by any deposit protection scheme (including CDIC) and represents an unsecured claim against RemitLand.

  • RemitLand owns any interest or other earnings on these investments, if any.
  • RemitLand does not use balances held by customers for operating expenses or other corporate purposes.
ii. History of Transactions

All of your transactions (including balances, uploaded money, received money, conversions, sends and withdrawals), including related fees and exchange rates (if applicable), are recorded in the transaction history section of your RemitLand Account.

  • Each transaction is allocated a transaction number; you should quote this number when communicating with us about a particular transaction.
F. Managing Your Money in Multiple Currencies

Your RemitLand Account balance may be held in certain supported currencies, and you may hold more than one currency at the same time.

  • You may not manage multiple currencies for speculative trading purposes.
  • You accept the risks associated with holding funds in multiple currencies, including exchange rate fluctuations over time.
G. Withdrawing or Sending Money

If you have a RemitLand Account balance, you may remove it by withdrawing to your own bank account, sending to another RemitLand customer, or sending to a third party’s bank account (depending on currency and available methods).

  • We will charge you a fee for each withdrawal or send money request. We will show you the exact amount when you submit your request.
  • Payout methods are provided by third parties (for example, banks), and availability depends on factors including your verification status.
I. Limits on Withdrawal and Sending Money

Your RemitLand Account is subject to withdrawal and send money limits. If your request exceeds the current limit, we may decline it or impose additional checks or time limitations.

II. Delay in Withdrawal or Sending Money

We do not control the time it may take for your (or a recipient’s) bank or payment provider to credit and make funds available once we make funds available to the relevant provider.

III. Other Delays

We reserve the right to delay, freeze or hold any transactions undertaken or initiated by you through your RemitLand Account for any reason, including (without limitation) AML reviews, ATF reviews, sanctions screenings, fraud investigations, and banking partner compliance checks.

H. Currency Conversion

Our Services include the ability to convert currencies, including for sending money to a third party in another currency, withdrawing in another currency, or converting and holding another currency in your RemitLand Account.

A conversion fee will apply when we perform a currency conversion.

  • Currency conversion orders are “Fixed Source Orders” (you convert a fixed amount of source currency to receive an amount in a target currency).
  • We will only process your conversion order if we hold or have received the relevant funds and applicable fees.
i. Refusing a currency conversion order

We reserve the right (in our sole discretion) to refuse any currency conversion order, including for incorrect recipient information, insufficient funds, or suspected violations of this Customer Agreement.

ii. When will I be notified of my next scheduled transfers

If you schedule a transfer in advance, we will notify you 24 hours before the upcoming transfer, setting out the total fees and the estimated live exchange rate for that transfer.

iii. Exchange rate used to convert currency

We will let you know the exchange rate when you place a guaranteed-rate conversion order, or when we have received your payment for a non-guaranteed-rate conversion order.

iv. Guaranteed rates
  • Guaranteed periods may be extended if created over a weekend or public holiday.
  • We must receive sufficient funds during the guaranteed period to convert at the guaranteed rate; if funds are received after the guaranteed period, we may convert at the applicable rate at the time we receive funds or ask whether you want to proceed.
  • If the relevant exchange rate changes by 2.5% or more during the guaranteed period, we may suspend the transfer for a reasonable period or cancel it and refund the money.
  • For certain currencies, guaranteed rates may only be offered after address verification.
  • We may change guaranteed rate conditions or suspend the feature at any time.
v. Limits on conversion

We may place limits on the amount you may convert at any time (in our sole discretion), including consistent with our obligations under applicable laws.

vi. Delay in conversion

Verification checks and other reviews may increase the time it takes to process your currency conversion order. We cannot be responsible for delays resulting from carrying out such checks.

vii. Cancellation of your currency conversion order

You may cancel your currency conversion order for a full refund at any time before the transaction amount is converted in accordance with your instructions. Frequent cancellations may result in restrictions on your use of the Services.

viii. Auto conversion

For certain currencies, you may be able to set conversion orders to be automatically executed once a chosen exchange rate is offered. RemitLand does not guarantee it will be able to execute auto conversion orders in all circumstances.

ix. We are not a currency trading or investment platform

RemitLand is not a currency trading or investment platform. You should not use our Services for currency trading, investment, or speculation. If we detect such usage, we may impose limits, cancel orders, restrict features, or suspend/close your account and disgorge gains.

I. Invoice-Based Settlement

RemitLand offers invoice-based settlement to Business Accounts where RemitLand acts as a settlement intermediary by receiving funds, applying applicable foreign exchange rates where applicable, and settling funds into your Business Account’s wallet or bank account.

  • To use invoice-based settlement, we may request relevant documentation (including invoices and contracts) for compliance with RemitLand policies and applicable laws and regulations.
J. Fees and Taxes

Fees for withdrawing and sending money, and currency conversion, will be disclosed when you place an order and prior to confirming the transaction.

The fee structure on the RemitLand website forms part of this Customer Agreement and is subject to change.

  • Fees may not include fees your bank or the recipient’s bank may charge.
  • We will not process currency conversion orders until we have received applicable fees.
  • API Partners may charge separate fees; RemitLand may collect such fees on behalf of an API Partner.
K. Closing your RemitLand Account
i. You may close your RemitLand Account

You may end this Customer Agreement and close your RemitLand Account at any time by contacting Support.

If you still have money in your RemitLand Account at the time of closure, you must withdraw your money within a reasonable period of time.

  • You must not close your account to avoid an investigation. If you attempt to close during an investigation, we may hold your money until the investigation is fully completed.
  • You will continue to be responsible for all obligations related to your RemitLand Account even after it is closed.
ii. RemitLand can close your RemitLand Account

RemitLand may suspend or terminate this Customer Agreement and access to or use of our Websites, systems, or some or all Services for any reason and at any time upon notice to you.

  • Reasons may include: breach of this Customer Agreement; direction by a competent court/government/law enforcement; suspected breach of applicable laws/regulations; suspected fraud, money laundering, terrorism financing, or other criminal/illegal activity.
  • We may suspend your account if it has been compromised or used without your authorization or fraudulently.
  • If we close your account or terminate your use of the Services, we will provide notice and make any unrestricted prepaid money held in your balance available for withdrawal.
iii. What happens if you owe us money?

If you are liable for amounts owed to us, we may remove such amounts from your RemitLand Account (if available). If there are insufficient funds, we may collect the debt using payments received in your RemitLand Account or other lawful collection avenues.

  • We may recover reasonable costs or expenses (including reasonable legal fees) incurred in connection with enforcement of this Customer Agreement.
L. Communications

You acknowledge and consent that this Customer Agreement is entered into electronically. Creation of a RemitLand account and password constitutes an electronic signature with the same effect as signing in ink.

Certain categories of information (“Communications”) may be provided by electronic means, subject to Canada’s Anti-Spam Laws (CASL).

  • Communications may include this Customer Agreement and amendments; transaction records; disclosures and notices; customer service communications; and other communications related to the Services or RemitLand.
  • Communications may be provided by phone calls and/or text messages (subject to CASL). Standard telephone minute and text charges may apply.
  • If you withdraw consent to receive electronic Communications, your use of the Services shall be terminated.
M. Retail Operations

RemitLand provides Services to Customers at RemitLand retail branch locations (“Retail Locations”). Retail Locations provide limited foreign exchange services and in-person onboarding and verification, subject to availability, capacity, and compliance with internal policies and applicable laws and regulations.

4. Issues that May Occur
A. Reversals and Chargebacks

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by RemitLand caused by or arising out of your breach of this Customer Agreement and/or your use of the Services.

Whenever a transaction is reversed, RemitLand will refund or reverse the transaction from your RemitLand Account in the same currency as the original transaction.

  • If your balance in a currency is insufficient to cover a reversal, RemitLand may perform a currency conversion to complete the reversal, subject to the exchange rate offered at that time.
  • Payments may be invalidated and reversed if (among other reasons): fraud is found; RemitLand sent the payment in error; the payment was unauthorized or invalidated by the sending bank; the payment related to activity violating this Customer Agreement or the Acceptable Use Policy; or RemitLand has a claim against you for the funds.
B. Negative Account Balances

If your RemitLand Account balance becomes negative for any reason (including reversal or chargeback), that negative balance represents an amount you owe to RemitLand and you promise to repay it immediately without notice.

  • RemitLand may deduct amounts owed from money you upload or receive.
  • If you hold multiple currencies, RemitLand may set off a negative balance using value held in another currency (with currency conversion at the rate offered at that time).
  • RemitLand may take reasonable actions to recover negative balances, including using a debt collection service or legal actions in accordance with applicable laws.
C. Errors and Unauthorized Transactions

To protect yourself from errors and unauthorized activity, you should regularly log into your RemitLand Account and review statements/transaction history.

RemitLand will notify you of each transaction. You should review these notifications to ensure each transaction was authorized and accurately completed.

D. Currency Conversion Errors
  • Examples of currency conversion errors include: paying an incorrect amount; computational error (miscalculation of recipient amount); the amount stated in a receipt was not made available to the recipient (unless due to extraordinary circumstances outside our control); or late/unmade availability where required (subject to stated exceptions, including extraordinary circumstances, fraud screenings, regulatory requirements, or fraudulent intent).
  • If you believe a currency conversion error occurred and you contact us, we will investigate and determine whether an error occurred within 90 days (typically within 10 business days) and inform you of our determination within 3 business days after completing our investigation.
E. Account Balance Errors and Unauthorized Transactions
  • Examples of account balance errors include: money incorrectly taken or uploaded; a transaction incorrectly recorded; incorrect amount debited for a send/withdrawal; incorrect amount credited; missing or improperly identified transfers on statements.
  • If you believe such an error occurred and you contact us, we will investigate and determine whether an error occurred within 10 business days and correct any error promptly (with additional timeframes and provisional credit described in the Customer Agreement).
F. Complaints

If you have a question or complaint regarding the Services, please contact RemitLand Support using the contact details provided in the Customer Agreement. Please note that email communications will not necessarily be secure; do not include credit card information or other sensitive information in email correspondence.

5. Technology
A. Linking to Our Website

You may link to our Website provided you comply with this Customer Agreement and certain rules.

  • You must not suggest association, approval or endorsement where none exists.
  • You must not frame our Website on any other site.
  • You must not refer to any of our Services as “banking” services.
  • We reserve the right to revoke linking permission without notice and for any reason.
B. RemitLand App

We grant you a non-transferable, non-exclusive license to use the App on your device subject to this Customer Agreement and the Appstore Rules.

Updates to the App may be issued through the App Store or Google Play. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version and accepted any new terms.

  • Additional provisions apply for iOS versions: Apple is not a party to this Customer Agreement and is not responsible for the App, except as may be required (e.g., refunds where applicable). Apple and its subsidiaries are third-party beneficiaries with the right to enforce the agreement as a third-party beneficiary.
C. Information Security

You are responsible for configuring your information technology, programs and platform to access the Services and should use your own virus protection software.

  • You must not misuse the Services by introducing viruses or other malicious material, attempt unauthorized access, or attack the Services (including via denial-of-service attacks).
  • We may report breaches to relevant law enforcement authorities and cooperate by disclosing identity or other information. In the event of breach, your right to access and use our Website/Services will cease immediately.
D. Third Party Services

RemitLand may engage third-party partners and providers to deliver the Services. Certain functionality may provide access to third-party materials or route/transmit them to you.

  • We do not control or endorse third-party materials and are not responsible for their accuracy, reliability, legality, usefulness or safety.
  • Your use of third-party materials is at your own risk and subject to applicable third-party terms and policies.
E. Corridor Partners

RemitLand uses third-party banking and payments for international corridors (“Corridor Partners”).

Corridor Partners may conduct compliance and verification checks under their local laws and regulations.

  • We are not responsible for delays, rejections, or cancellations resulting from Corridor Partners’ compliance checks.
  • Processing times depend on factors outside our control; we make no warranties regarding time needed to complete processing.
6. General Terms
A. Limitation of Liability

To the extent permitted by applicable law, RemitLand (and its affiliates and their respective officers, directors, agents, employees and suppliers) are not liable for lost profits or special, incidental, indirect, consequential or punitive damages arising out of or in connection with the Website, Services, or this Customer Agreement. Liability is limited to actual direct damages, subject to applicable law and provincial/territorial restrictions (including Quebec).

B. Service Availability

We do not guarantee that Services will always be available, uninterrupted, without delay, or error-free. We may suspend, withdraw, discontinue or change all or any part of our Services without notice.

C. No Warranty

Except as expressly provided and to the extent permitted by applicable law, Services are provided “as is” and without warranties or conditions, express, implied or statutory (including implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement), subject to applicable law and provincial/territorial restrictions (including Quebec).

D. Intellectual Property

RemitLand intellectual property (including site content, trademarks, trade names, logos, and product/service names) is owned by RemitLand and its affiliates. You agree not to display, use, copy, or modify RemitLand intellectual property except as permitted for your own personal, non-commercial use.

E. Customer Warranties
  • You are at least 18 years of age (or the age of majority where you reside), and have capacity/authority and necessary licenses, permits and consents to enter into and perform this Customer Agreement.
  • You will provide accurate, up-to-date and complete customer due diligence information and data at all times.
  • You will use the Services only for lawful purposes and in compliance with this Customer Agreement and all applicable laws.
  • You are solely responsible for use of the Services (including by Authorized Users) and will take reasonable measures to prevent unauthorized access and avoid disrupting other users or the Services.
F. Payment Service Provider

RemitLand acts as a payment service provider and independent contractor and is not your agent or trustee.

G. Entire Agreement

This Customer Agreement (together with applicable policies and agreements incorporated herein and on the RemitLand Website) sets forth the entire understanding between you and RemitLand with respect to the Services.

H. Law and Jurisdiction

The provision of the Services and disputes are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, and are subject to the non-exclusive jurisdiction of the courts of the Province of Ontario.

I. Waiver

Failure by RemitLand to exercise or enforce any right or provision does not constitute a waiver. If any provision is invalid, remaining provisions remain in effect.

J. Set-Off

We may set off any payment liability you have to us against any payment liability we have to you, including converting currencies at a market rate for the purpose of set-off.

K. Records

Except in the case of manifest error, RemitLand records of your use of the Services and transactions carried out through the website are conclusive evidence of their contents.

L. Language

The parties agree that this Customer Agreement and related documents will be written in English.

M. Force Majeure

We are not liable for failure or delay in performance to the extent caused by matters beyond our reasonable control (including changes in law, infrastructure unavailability, power/internet failure, civil unrest, war, and natural disasters).

N. Indemnity

You agree to indemnify and hold harmless RemitLand, its service providers, and their respective subsidiaries, officers, agents, partners and employees from claims or demands (including reasonable legal fees) arising out of your use of the Service, connection to the Service, violation of this Customer Agreement, or violation of another’s rights.

O. Dispute Resolution

Disputes may be reported by contacting customer service. Certain disputes may be referred to and finally determined (to the exclusion of the courts) by a single arbitrator in Toronto, Ontario, in English, under the ADRIC Arbitration Rules and subject to the Arbitration Act (Ontario).

P. Relationship

Nothing in this Customer Agreement creates an agency, partnership or joint venture. Each party acts on its own behalf and not for the benefit of another person.

Q. Changes to Terms

We may change the terms (including fees) by giving 30 days’ prior written notice, and you may refuse changes during the notice period by providing written notice of termination. Some changes may be made immediately where required by law or relating to new services/extra functionality or where changes do not materially affect existing Services.

R. Additional Terms
  • You may not transfer or assign rights or obligations under this Customer Agreement without RemitLand’s prior written consent. RemitLand may transfer or assign this Customer Agreement at any time.
  • If any paragraph is unlawful, remaining paragraphs remain in effect.
  • Delays in enforcing rights do not prevent later enforcement.
  • No other person has rights to enforce this Customer Agreement.