Revision Date (Latest): January 2, 2026
Applies to services provided by: Pinov Inc. (Canada) and Pinov Pty Ltd (Australia)
These Terms of Service ("Terms") govern your access to and use of the PinovX (Pinov eXpress) platform and related fiat–digital-asset conversion, brokerage, wallet, and transaction-facilitation services (the "Services"). By creating an account, initiating a transaction, or using the Services, you agree to these Terms. If you do not agree, you must not use the Services.
For purposes of these Terms:
Capitalized terms used elsewhere without definition have the meaning given in context.
PinovX — short for Pinov eXpress — provides streamlined, compliance-aligned solutions that simplify access to digital-asset and fiat settlement, enabling customers to convert and move value efficiently and securely.
The Services are provided through:
Users must satisfy eligibility criteria and complete identity verification, sanctions screening, wallet validation, and ongoing monitoring in accordance with AML/CTF obligations and PinovX risk-management policies.
PinovX may delay, restrict, refuse, or review transactions or account activity for fraud-prevention, sanctions or legal requirements, regulatory reporting, or operational or security concerns. Additional information may be requested before processing transactions.
PinovX operates a unified identity and onboarding framework across its PinovX (Pinov eXpress) application. Customers are required to maintain one individual account only, and must use the same email address when accessing OTC platform.
Where a customer has successfully completed Know-Your-Customer (KYC) identity verification on PinovX app platform, that verification shall be recognized and applied across the PinovX ecosystem. Accordingly:
PinovX is not a public digital-asset exchange and does not operate an order-book or matching engine. Transactions are fulfilled through a broker / dealer–style execution and settlement model using approved liquidity providers, brokerage counterparties, and settlement partners. References to "execution," "conversion," or "settlement" refer to brokerage-style fulfillment and do not imply operation of a trading venue.
Where fiat funds are received in connection with CAD balances or transactions, such funds are held in safeguarded, segregated accounts provided through one or more authorized banking and payment-services partners (which may include Digital Commerce Bank from time to time). These accounts are:
PinovX does not lend, pledge, or rehypothecate customer fiat balances. Protection is applied in accordance with requirements applicable to the relevant financial institution or payments partner. While no financial system is entirely risk-free, PinovX implements operational, financial, and compliance controls designed to help protect customer funds.
Digital-asset transactions are executed via approved brokerage execution systems and are settled directly to the customer's nominated and verified wallet address, subject to sanctions screening, compliance and risk review, destination-wallet validation, and fraud-prevention and operational checks.
Where available, customers may add funds to their PinovX wallet using Interac e-Transfer® or other approved CAD deposit methods. Customers are responsible for:
Fees relating to CAD deposits and withdrawals are displayed in-app at the time of transaction and form part of these Terms by reference.
Customers may send digital assets to a designated deposit address to receive fiat value in their PinovX wallet or payout account. Settlement occurs only after network confirmation, sanctions and compliance checks, and reconciliation of account and wallet details.
Customers are solely responsible for the security of their devices, email, wallets, banking credentials, Interac profiles, and authentication methods. PinovX is not liable for loss or unauthorized activity resulting from hacking, phishing, SIM-swap, malware, device compromise, unauthorized bank or Interac access, credential sharing, or other circumstances beyond our reasonable control.
Customers must review and confirm all transaction details prior to submission. PinovX is not responsible for losses arising from:
The Send Money feature currently supports transactions in Canadian Dollars (CAD) only. Availability may be limited by corridor, method, or recipient eligibility. Additional currencies may be introduced and will be communicated in-app when available.
PinovX does not custody AUD balances. When a customer sells digital assets and requests settlement in AUD, funds are settled out via the Australian New Payments Platform (NPP) to the customer's nominated PayID or BSB + account number, subject to compliance review and payment-rail availability. Applicable fees are displayed in-app.
Applicable fees, spreads, and limits are displayed in the PinovX platform at the time of transaction and are incorporated into these Terms by reference. Fees charged may include blockchain network costs, liquidity provisioning, transaction routing, and operational overhead required to successfully process transactions on supported blockchain networks, and such fees may exceed the direct on-chain cost in certain cases. Settlement timing depends on banking rails, blockchain conditions, compliance checks, liquidity, and operational factors.
PinovX reconciles all incoming payments and asset transfers. Where a material difference exists between the quoted amount and the amount received, PinovX may adjust settlement, or cancel or reverse the transaction and, where appropriate, return funds or assets.
Transactions and refunds are subject to compliance review and operational feasibility. PinovX is not obligated to process a transaction where discrepancies present operational, compliance, financial, or security risk. PinovX may apply internal tolerance thresholds that are not publicly disclosed.
Users must not use the Services for unlawful, fraudulent, or prohibited purposes, including money laundering, terrorist financing, sanctions evasion, or activities contrary to law or PinovX risk policy.
PinovX may suspend, restrict, or terminate access to the Services, or place holds on balances or transactions, where required due to breach of these Terms, suspicious activity, sanctions or legal requirements, or operational or security risk.
Where legally permitted, notice may be provided.
Digital-asset and currency transactions carry risks including volatility, irreversibility, and reliance on third-party networks and systems. Users accept these risks.
Support and complaints may be directed to support@pinovx.com. PinovX will respond in accordance with applicable complaint-handling obligations.
Additional escalation rights may exist under Canadian or Australian regulatory frameworks.
Personal information is handled under the PinovX Privacy Policy, which forms part of these Terms.
PinovX may update these Terms periodically. Continued use of the Services after changes take effect constitutes acceptance of the updated Terms.
If these Website Terms of Use conflict with the Terms of Service, the Terms of Service prevail. Users must not copy, scrape, reverse-engineer, or interfere with the platform.
180 Northfield Dr W
Waterloo, ON N2L 0C7
Canada
232 Unley Rd
Unley SA 5061
Australia
Operating as PinovX (Pinov eXpress)
