By accessing or using our website (the "Site") and the services provided by Havaneo (the "Services"), you agree to be bound by these Terms of Service (the "Terms"). These terms constitute a legally binding agreement between you and Havaneo. If you do not agree to any part of these Terms, we recommend that you do not continue to use our Site or Services. Continued use will be considered express acceptance of these Terms.

Acceptance of the Terms

By using the Site and our Services, you represent and warrant that you are of legal age and have the legal capacity to enter into binding agreements. You also agree to provide truthful, current, and complete information during the registration process and in all your interactions with us. Your acceptance implies that you will comply fully with these Terms, including future updates, supplemental policies, and guidelines that may be published later.

Services

Havaneo provides a secure and efficient platform for sending remittances to Cuba, allowing people around the world to financially support their family members and loved ones. Our Services include payment processing, beneficiary verification, transaction handling, and secure fund delivery. We strive to offer competitive fees, fast processing, and ongoing customer support. Proper use of our Services helps fulfill our mission of global solidarity and connection.

User Obligations

As a user, you agree to use the Site and Services responsibly and in accordance with the law. This includes:

• - Providing truthful and complete data when registering and keeping it up to date.
• - Not using the Services for fraudulent activity, money laundering, or any illegal purposes.
• - Ensuring you have the legal right to carry out the transactions you initiate.
• - Respecting the operational limits and internal security policies implemented by Havaneo.

Failure to comply with these obligations may result in suspension or cancellation of your account and, in some cases, legal action.

User Restrictions

The following uses of the Services are strictly prohibited:

• - Violating local, national, or international laws.
• - Transferring funds for illicit or unauthorized activities.
• - Interfering with the operation of the Site using viruses, bots, or any automated means.
• - Accessing or attempting to access other users' accounts or Havaneo's internal systems without authorization.

We reserve the right to monitor the use of our Services to detect suspicious or unauthorized behavior and to take corrective measures accordingly.

Refund Policy

Refunds are subject to verification and approval by our team. They will be considered in cases such as:

• - The recipient is unable to receive the remittance.
• - The sender voluntarily cancels the transaction before the funds have been transferred.

Requests must be submitted in writing to support@havaneo.com and must include detailed information about the transaction. Havaneo reserves the right to deny requests that do not meet the criteria or show signs of abuse.

Privacy Policy

Havaneo is committed to protecting your privacy. The data we collect is used exclusively to operate and improve our Services. This includes personal information, payment details, and usage data. Our Privacy Policy, available separately, outlines how we collect, store, share, and protect your information. By using the Site, you acknowledge that you have read and understood our privacy policy.

Dispute Resolution

Any disputes arising from these Terms or the use of our Services should first be resolved amicably through mediation. If no agreement is reached, the parties may resort to the appropriate legal mechanisms. Havaneo always strives to act in good faith and work with users to resolve issues without resorting to complex legal proceedings.

Governing Law

These Terms and any related disputes will be governed by the laws of the Province of Alberta, Canada. This applies regardless of where you are located or from where you access our Services. Any disputes will fall under the exclusive jurisdiction of the competent courts in Alberta, without regard to conflict of law principles.

Contact Information

If you have questions, suggestions, or concerns about these Terms or how the Havaneo Services operate, you may contact us at: support@havaneo.com. Our customer support team is available to assist you promptly.

Changes to the Terms

We reserve the right to modify these Terms at any time. Changes will take effect upon publication on the Site. It is your responsibility to review the Terms periodically to stay informed of any updates. Continued use of the Site and Services after the publication of the updated Terms will be considered acceptance of the new Terms.