Last Updated: 2026
1.1 This Customer Account Agreement applies to your account with DEFI Solutions Inc., a Canadian federal corporation headquartered in Montreal, Canada (“DEFI Solutions Inc.”, or “we”, “us”, “our”).
1.2 This Customer Account Agreement includes by reference:
(collectively, the “Agreement”).
1.3 Please read the Agreement carefully as it governs your use of the Services (as defined below). By opening an account with DEFI Solutions Inc. and clicking the “I agree with the Customer Account Agreement and Privacy Policy” checkbox displayed on the sign-up page, by downloading, accessing or using the Services, or by accepting any set of terms referencing this Agreement, you acknowledge that you have read, understood and accepted the terms of this Agreement (as it may be amended from time to time).
1.4 We may amend the Agreement at any time by posting a revised version on our website, mobile or web application, or by providing a copy directly to you via email or hyperlink. It is your responsibility to check the Agreement periodically for changes. The amended Agreement becomes effective when posted and will not apply retroactively. Continued use of the Services after posting constitutes acceptance of the amended Agreement.
2.1 DEFI Solutions Inc. provides financial services accessible through Internet and/or blockchain technologies via our website, mobile or web application, or other technological means (the “Services”).
2.2 The Services include a proprietary platform to buy, sell, deposit, transfer, earn, hold, or withdraw Bitcoin, Ethereum and USD Coin (“Crypto Assets”), and to hold, transfer or withdraw Canadian or US dollars. The available Crypto Assets may change from time to time.
2.3 Additional Services may be offered periodically and will be subject to this Agreement and any additional terms.
2.4 To use payment-related services governed by the Payments Services Agreement (“Payments Services”), you must agree to the terms outlined in this subsection and the Payments Services Agreement.
2.4.1 The Payments Services are provided by DEFI Solutions Inc. Financial Inc., an affiliate of DEFI Solutions Inc.
2.4.2 Funds held with DEFI Solutions Inc. Financial Inc. are not protected by the Canadian Investor Protection Fund (“CIPF”) or the Canada Deposit Insurance Corporation (“CDIC”).
2.4.3 By signing up for the Payments Services, you consent to DEFI Solutions Inc. sharing your account balance and transactional data with DEFI Solutions Inc. Financial Inc.
3.1 You acknowledge that you have read and accepted the risk disclosures published on our website and application. Buying and selling Crypto Assets is risky, and you should only purchase them if you can afford to lose your entire investment.
3.2 DEFI Solutions Inc. does not provide investment, tax, or legal advice. You are solely responsible for your investment decisions.
3.3 DEFI Solutions Inc. does not own or control any blockchain protocols and is not liable for changes in their value or functionality.
3.4 Employees of DEFI Solutions Inc. are not authorized to provide investment advice.
3.5 DEFI Solutions Inc. is not your broker, intermediary, or fiduciary.
3.6 Crypto Assets held in your account are not protected by the CIPF or CDIC.
3.7 Insurance coverage may apply to certain losses but is not guaranteed.
3.8 You are solely responsible for determining the suitability of any transaction.
3.9 You are solely responsible for any tax consequences related to your transactions.
3.10 Information provided through the Services may contain errors and should be independently verified.
3.11 You acknowledge the risk of cyberattacks that may result in loss or theft.
3.12 The Services are subject to applicable securities laws and regulatory requirements.
3.13 Complaints may be submitted to DEFI Solutions Inc.’s Designated Complaints Officer at support@defisolutions.io
4.1 DEFI Solutions Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and is registered as an Investment Dealer with the AMF and other securities regulators in Canada.
4.2 DEFI Solutions Inc. is a member of the CIPF. Canadian dollar balances benefit from CIPF protection, but Crypto Assets do not.
5.1 To use the Services, you must create a DEFI Solutions Inc. account (“Account”). We may refuse, suspend, or terminate your Account at our discretion.
5.2 You must provide accurate and complete information and update it as necessary.
5.3 Referral programs may apply as described on our Rewards page.
5.4 DEFI Solutions Inc. maintains robust IT and custodial security policies.
5.5 You must:
5.6 You are responsible for all activities under your Account.
5.7 Access to the Services may be interrupted for reasons beyond our control.
6.1 You must reside in Canada, be at least 18 years old, and have legal capacity.
6.2 You must not appear on any sanctions list.
6.3 You must not transfer funds to or from prohibited jurisdictions.
6.4 If you are affiliated with a regulated firm, you must obtain employer approval.
6.5 Business Accounts must be opened on behalf of duly registered Canadian entities.
6.6 You must not own more than 10% of any Crypto Asset or possess insider information.
6.7 If you no longer meet eligibility requirements, you must cease using the Services.
7.1 You may not use your Account for unlawful activity.
7.2 You may not engage in abusive, fraudulent, or disruptive behavior.
7.3 DEFI Solutions Inc. may monitor and investigate your Account activity.
7.4 Certain business categories are banned, including:
7.5 Violations may result in account suspension, asset liquidation, or reporting to authorities.
8.1 You must provide personal information for identity verification and compliance purposes.
8.2 This may include government ID, address, and biometric data.
8.3 Biometric verification may be used to confirm your identity.
8.4 DEFI Solutions Inc. may conduct background checks through third parties.
8.5 You authorize your wireless provider to share limited data for verification.
8.6 We may disclose information as required by law.
Funds include Canadian and U.S. dollars. Transfers may be delayed or rejected for operational or compliance reasons. CIPF protection applies to Canadian dollar balances up to $1,000,000 CAD.
Crypto Assets are held in trust for your benefit and stored with third-party custodians. DEFI Solutions Inc. does not use your assets for its own benefit.
Orders are final and executed at the Stated Price. DEFI Solutions Inc. may cancel or amend orders affected by technical issues.
You may place Limit or Recurring Buy Orders. Execution depends on market conditions.
Prices are determined by market data and include a spread. No commissions or maintenance fees apply.
Transfers between DEFI Solutions Inc. accounts are irreversible once confirmed.
You may add external wallet addresses for withdrawals. Withdrawals to unapproved addresses will be rejected.
Only supported Crypto Assets are accepted. Unsupported assets or incorrect network transfers may result in permanent loss.
DEFI Solutions Inc. may choose not to support forked or airdropped assets. You waive any claim to such assets.
You may send or receive Canadian dollar transfers via Interac. Limits and processing times apply.
You may receive permitted deposits directly into your Account in Canadian dollars only.
USDC deposits are automatically converted to USD at a fixed rate of 1 USDC = 1 USD. Only ERC-20 network transfers are supported.
10.1 DEFI Solutions Inc. may share your personal information with regulators and verification partners.
10.2 Information may also be shared with affiliates and financial institutions.
10.3 Our Privacy Policy explains our data practices.
11.1 You may contact customer service for questions or feedback.
11.2 By submitting suggestions, you transfer all related intellectual property rights to DEFI Solutions Inc.
12.1 The Services and Crypto Assets are provided “as is” without warranties of any kind.
12.2 DEFI Solutions Inc. does not guarantee uninterrupted or error-free operation.
12.3 You acknowledge the risks of using online systems and blockchain technology.
13.1 DEFI Solutions Inc. is not liable for events beyond its control, including natural disasters, cyberattacks, or regulatory actions.
14.1 DEFI Solutions Inc.’s liability is limited to $500 CAD in aggregate, except in cases of gross negligence or willful misconduct.
14.2 We are not liable for indirect, consequential, or punitive damages.
15.1 You agree to indemnify DEFI Solutions Inc. against any claims or losses arising from your use of the Services or breach of this Agreement.
15.2 We may apply your Funds to cover any outstanding liabilities.
16.1 Either party may terminate this Agreement at any time.
16.2 Upon termination, you must withdraw or liquidate your assets.
16.3 DEFI Solutions Inc. may suspend or terminate your Account to comply with legal or regulatory obligations.
17.1 The Services and their content are protected by copyright and trademark laws.
17.2 You are granted a limited, non-transferable license to use the Services.
17.3 You may not copy, modify, or distribute any proprietary content.
17.4 User Content may be used by DEFI Solutions Inc. under a royalty-free license.
17.5 DEFI Solutions Inc. is not responsible for third-party content or links.
18.1 This Agreement is governed by the laws of Quebec and Canada. Disputes will be resolved in the courts of Montreal, Quebec.
19.1 This Agreement constitutes the entire agreement between you and DEFI Solutions Inc.
19.2 We may assign this Agreement; you may not.
19.3 Communications will be provided electronically.
19.4 Electronic signatures are legally binding.
19.5 Invalid provisions do not affect the remainder of the Agreement.
19.6 The Agreement survives termination of your Account.
19.7 No waiver is effective unless in writing.
19.8 The Agreement is drafted in English.