Finovo Terms of
Service Agreement
Last revised: August 14, 2026. Please read this Master Agreement carefully. It governs your legal relationship with Finovo Inc. regarding accounts, yields, transfers, and hardware cards.
1. Acceptance of Terms & Eligibility
By registering an account with Finovo Inc. ("Finovo"), accessing the client web dashboard, or using our mobile software applications, you agree to be legally bound by these Terms of Service.
To hold an individual account, you must be at least 18 years old and reside in an authorized jurisdiction. To register an enterprise treasury account, you warrant that you possess valid corporate authority to bind the legal entity.
2. Multi-Currency Accounts & 8.45% APY High-Yield Vaults
Finovo provides multi-currency digital accounts capable of holding, exchanging, and transferring funds across 40+ recognized fiat currencies.
- Yield Calculation: High-yield interest accrues daily on qualifying vault balances based on current institutional repo market rates (up to 8.45% APY) and is credited directly to your principal balance.
- Custodial Protection: Fiat balances are held in segregated custodial accounts at regulated tier-1 banks with pass-through FDIC insurance coverage up to statutory limits.
- On-Demand Liquidity: Funds placed in high-yield vaults remain 100% liquid and may be transferred or spent at any time without lock-up penalties.
3. Titanium Metal & Virtual Debit Cards
Finovo issues physical 18g laser-engraved dark titanium debit cards and instant digital virtual cards through authorized payment card network partners.
Cardholders must promptly notify Finovo through the in-app freeze toggle if a physical card is lost, stolen, or compromised. Finovo provides zero liability protection for unauthorized fraudulent charges reported within 60 days.
4. Payment Clearance & Foreign Exchange Spreads
Transfers executed across Finovo's atomic clearance engine settle domestically via SEPA Instant, FedNow, and Faster Payments protocols.
5. Cryptographic Security & Multi-Party Computation (MPC)
You are responsible for maintaining the confidentiality of your authentication devices, biometric passkeys, and recovery credentials. Finovo employs Multi-Party Computation (MPC) to shard signing authorities; we will never ask you to reveal private seed phrases or one-time verification tokens.
6. Prohibited Activities & AML Sanctions
You agree not to use Finovo services for illegal activities including money laundering, terrorist financing, sanction evasion, darknet market transactions, or unauthorized securities transactions. Finovo reserves the right to freeze transactions flagged by automated AML monitoring algorithms.
7. Transparent Fees & Account Termination
All account subscription fees (Starter $0, Personal Plus $12, Premium Wealth $39, Enterprise $79) are billed in advance on a monthly or discounted annual basis. You may cancel your subscription or close your account at any time with zero penalty upon settling outstanding transactions.
8. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising out of or in connection with this agreement shall be settled through binding commercial arbitration in Toronto, Canada.
Start shaping the future of your
wealth
Join over 2.4 million forward-thinking individuals and businesses using Finovo to unlock seamless, intelligent, and boundaryless global banking.
