Refund and Cancelation Policy

REFUND, CANCELLATION & “RETURN” POLICY

Effective Date: 2nd Feb. 2026

This Refund, Cancellation & Return Policy (“Policy”) explains how MyFX.ca (“we”, “us”, “our”) handles cancellations, refunds, failed transfers, and returned payments for cross-border payment Orders placed on MyFX.ca (the “Services”). This Policy forms part of the MyFX.ca Terms and Conditions.

1. Business name: Blue Starling Corp. (DBA MyFX.ca)
2. Address: 400 - 1940 Eglinton Ave E, Scarborough, ON M1L 4R1, Canada
3. Support:Support@myfx.ca
4. WhatsApp: +1 (647) 692-0900

1) What “return” means for money transfers

Because MyFX.ca provides cross-border payments (not product shipping), “return” means:

1. a bank/partner return (e.g., payout rejected/returned by a bank), or
2. a refund back to the original sender/funding source.

2) When you can cancel an Order

You may request cancellation only before the transfer reaches a point-of-no-return (for example, before payout is initiated on the destination rail).

If cancellation is possible: we will cancel the Order and process a refund under Section 6.

If cancellation is not possible: we will continue processing the transfer, and any refund (if applicable) will occur only if the transfer fails or is returned.

3) Payment Window (30 minutes) and late funding

Your on-screen Quote includes a 30-minute payment window.

1. If we receive your funds within the payment window, we process the transfer.
2. If we receive your funds after the payment window expires, the Order will not be processed using the expired Quote. In this case, we will refund the funds (see Section 6), minus any third-party fees incurred (see Section 7).

4) Partial payments (24-hour cutoff)

If you send less than the required amount:

1. The Order remains Pending Funding until fully funded.
2. You have up to 24 hours to complete the payment.
3. If the full amount is not received within 24 hours, the Order is cancelled and we refund the amount received (minus any third-party fees incurred).

5) Failed transfers and returned payments

A transfer may fail or be returned due to:

1. incorrect Recipient/bank details,
2. Recipient bank rejection,
3. compliance/verification issues,
4. technical downtime or partner outages,
5. suspected fraud, or
6. other bank/partner processing rules.

Where a payout is returned to MyFX.ca:

1. We will notify you via dashboard and/or email; and
2. We will either (a) re-send using corrected details (if allowed and requested), or (b) refund to the original funding source.

6) Refunds - when we issue them

We may issue refunds if:

1. Late funding (payment received after the 30-minute payment window)
2. Cancellation approved (Order cancelled before payout is initiated)
3. Failed transfer (payout could not be completed)
4. Returned payout (bank/partner returns funds to MyFX.ca)
5. Duplicate funding (you paid twice for the same Order; see Section 8)
6. Compliance hold outcome (verification not completed or transaction rejected)

Refunds are generally sent back to the original funding source where possible.

7) Third-party fees (pass-through)

Banks or payment partners may charge fees for returns, rejections, reversals, or processing. If such fees are charged to MyFX.ca, they may be passed through to you and deducted from the refunded amount (where applicable).

8) Duplicate payments and overpayments

If we receive duplicate or excess funds for an Order:

1. We will place the excess in a temporary unmatched state (not a stored balance), and
2. We will contact you (or prompt via dashboard where available) to confirm whether to:
   • refund the excess, or
   • apply it to a new Order (with a new Quote), if you request and we approve.

9) Incorrect Recipient details

You are responsible for entering accurate Recipient details.
If a payout fails or is returned due to incorrect details:

1. We may require corrected details before re-sending; and/or
2. We may refund the funds (minus third-party fees incurred).

10) Refund timelines (processing time)

Refund timelines depend on the funding method and banks/partners involved.

1. MyFX.ca processing: we aim to initiate eligible refunds promptly after confirmation of refund eligibility.
2. Bank/partner processing: the time to reflect in your account depends on your bank/payment rail.

11) Status updates and notifications

You can track your Order status in your dashboard and through email notifications. Common statuses include:

1. Pending Funding
2. Received Funding
3. Processing
4. Completed (means paid)
5. Refunded
6. Compliance Hold

12) Fraud, misuse, and reversals

If we reasonably suspect fraud, account takeover, or misuse, we may:

1. place the Order on Compliance Hold,
2. request additional verification,
3. cancel the transfer, and/or
4. refuse service, consistent with applicable laws and compliance obligations.

If a funding payment is reversed/charged back, you remain responsible for any losses or fees.

13) How to request help or a refund inquiry

Contact:

1. Email:Support@myfx.ca
2. WhatsApp: +1 (647) 692-0900

Provide:

1. your Order ID,
2. the funding amount and currency,
3. the Recipient name,
4. date/time of payment, and
5. any bank reference/transaction receipt (if available).

14) Changes to this Policy

We may update this Policy from time to time. The latest version will be posted on MyFX.ca with an updated effective date.