07 / Entity Legal Pack · Canada
GOAT Finance Ltd. · Legal Pack
Version: 1.0
Effective date: May 15, 2026
Primary website: https://goatfinance.io
Regional domain: https://goatfinance.ca may redirect
to the primary website
Entity contact: [email protected]
Part A
Goat Finance Ltd. Entity Terms And Conditions
1. Purpose of These Entity Terms
These GOAT Finance Ltd. Entity Terms and Conditions apply where GOAT Finance Ltd. is identified as your contracting entity during onboarding, in your customer profile, in a transaction confirmation, in applicable Product Terms, or in another written communication from Goat Finance.
These Entity Terms form Part A of the GOAT Finance Ltd. Entity Legal Pack and must be read together with:
the Goat Finance Global Terms and Conditions;
the Goat Finance Global Privacy Policy;
Part B — GOAT Finance Ltd. Privacy Notice;
the Goat Finance Global Acceptable Use Policy;
the Goat Finance Digital Asset Risk Disclosure, where applicable;
any applicable Product Terms of Use;
any applicable product disclosure, partner disclosure, risk disclosure, fee schedule or signed agreement.
These Entity Terms address only matters specific to GOAT Finance Ltd. Product-specific rules are set out in the applicable Product Terms or product disclosure.
2. Entity Information
Your contracting entity is:
GOAT Finance Ltd.
Type of company: Named Alberta Corporation
Jurisdiction: Alberta, Canada
Registry / Corporate Access Number: 2027124615
Principal address: 1019-7070E Farrell Rd SE, Calgary, Alberta, T2H 0T2,
Canada
FINTRAC MSB Number: C10001600
MSB Registration Date: December 30, 2025
Registered MSB Activity: Virtual Currency
References to “GOAT Finance Ltd.”, “we”, “us” or “our” in these Entity Terms mean GOAT Finance Ltd.
3. Relationship With the Global Terms
The Goat Finance Global Terms and Conditions set out the general terms that apply across the Goat Finance organization.
These Entity Terms supplement the Global Terms only for GOAT Finance Ltd.-specific matters, including:
Canadian entity identity;
Canadian contact details;
Canadian regulatory status;
Canadian service limitations;
Canadian privacy-controller reference;
governing law;
dispute resolution;
entity-specific jurisdictional or regulatory statements.
If there is a conflict between these Entity Terms and the Global Terms, these Entity Terms prevail only for GOAT Finance Ltd.-specific matters. For all general matters, the Global Terms apply.
4. When GOAT Finance Ltd. May Be Your Contracting Entity
GOAT Finance Ltd. may be your contracting entity where, following Goat Finance’s onboarding, eligibility assessment and routing process, you are routed to GOAT Finance Ltd. for a product or service made available by or through GOAT Finance Ltd.
GOAT Finance Ltd. may generally serve eligible customers routed to it based on jurisdiction, customer profile, requested product, applicable law, partner requirements, compliance approval and Goat Finance’s internal routing framework.
Routing to GOAT Finance Ltd. does not guarantee access to any specific product or service. Each product or service remains subject to eligibility, onboarding, Product Terms, partner approval where relevant, applicable law and Goat Finance’s risk appetite.
5. Regulatory Status and Limitations
GOAT Finance Ltd. is registered with FINTRAC as a Money Services Business.
GOAT Finance Ltd. is not a bank, trust company, deposit-taking institution, securities dealer, investment dealer, investment fund manager, portfolio manager, investment adviser, tax adviser or legal adviser.
Unless expressly stated in applicable Product Terms, partner terms, disclosures or signed agreements, GOAT Finance Ltd. does not provide:
banking services;
public deposit-taking;
general-purpose payment accounts;
e-money accounts;
stored value accounts;
long-term fiat custody;
digital asset custody;
wallet custody services;
investment services;
brokerage services;
portfolio management;
financial, legal, tax or investment advice;
account services for your own customers, users or clients.
Where a product involves banking, payment, settlement, account, partner-enabled or infrastructure services, those services may be provided, supported or facilitated through third-party partners and will be subject to separate Product Terms, partner disclosures, partner approval and product-specific onboarding.
6. No General Availability, Offer or Solicitation
Publication of these Entity Terms does not mean that any GOAT Finance Ltd. product or service is available in your jurisdiction.
Nothing in these Entity Terms constitutes:
an offer of services;
a solicitation;
a financial promotion;
an invitation to transact;
investment advice;
legal advice;
tax advice;
a representation that you are eligible to use any GOAT Finance Ltd. product or service.
GOAT Finance Ltd. will provide products or services only where you have been routed to GOAT Finance Ltd., approved through the applicable onboarding process, and presented with the relevant Product Terms, disclosures and acceptance package.
7. Privacy and Data Protection
Where GOAT Finance Ltd. acts as controller for your personal data, it processes personal data in accordance with:
the Goat Finance Global Privacy Policy;
the applicable Phase 1 Privacy Notice;
Part B — GOAT Finance Ltd. Privacy Notice;
any product-specific privacy notice or service-specific partner data-sharing disclosure.
GOAT Finance Ltd. generally acts as controller in Phase 2 when you are routed to GOAT Finance Ltd. for product-specific onboarding, service activation, transaction review, compliance monitoring or customer relationship management.
The GOAT Finance Ltd. Privacy Notice is a privacy disclosure, not an ordinary contractual term. You may be asked to acknowledge that you have received and reviewed it.
8. Partner-Supported Services
Some GOAT Finance Ltd. products or services may be supported by third-party partners, including banking, payment, settlement, liquidity, compliance, KYC/KYB, blockchain analytics, technology or infrastructure partners.
Partner-supported products or services may require:
additional onboarding;
additional due diligence;
partner approval;
additional Product Terms;
partner disclosures;
partner acknowledgments;
service-specific privacy and data-sharing disclosures;
signed agreements.
Approval by GOAT Finance Ltd. for one product does not imply approval for any other product or partner-supported service.
9. Complaints and Contact
For questions, complaints, compliance inquiries or notices relating to GOAT Finance Ltd., contact:
GOAT Finance Ltd.
1019-7070E Farrell Rd SE
Calgary, Alberta, T2H 0T2
Canada
Email: [email protected]
Product-specific documents may provide additional contact or escalation channels.
10. Governing Law
These Entity Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
Nothing in these Entity Terms deprives you of any mandatory rights or protections that cannot lawfully be excluded under the law that would otherwise apply to you.
11. Dispute Resolution
The parties shall first attempt to resolve any dispute arising out of or in connection with these Entity Terms or your relationship with GOAT Finance Ltd. through good-faith negotiations.
If the dispute is not resolved within thirty (30) days from the date one party notifies the other party of the dispute, either party may refer the dispute to binding arbitration.
The arbitration shall be seated in Calgary, Alberta, Canada.
The arbitration shall be conducted in English by a single arbitrator, unless the parties agree otherwise.
The arbitrator’s decision shall be final and binding on the parties.
Nothing in this clause prevents either party from seeking urgent interim, injunctive, equitable or provisional relief before any court of competent jurisdiction.
If applicable law does not permit a dispute to be resolved by arbitration, or if a mandatory consumer protection rule gives you non-waivable rights before a court, regulator or complaint body, this clause applies only to the maximum extent permitted by applicable law.
12. Changes to These Entity Terms
GOAT Finance Ltd. may update these Entity Terms from time to time to reflect:
changes in law;
changes in regulatory status;
changes in contact details;
changes in entity structure;
changes in partner requirements;
operational changes;
governance changes;
risk or compliance requirements.
The updated version will be made available on https://goatfinance.io or through the relevant onboarding, customer or legal channel.
Part B
Goat Finance Ltd. Privacy Notice
1. Purpose of This Privacy Notice
This GOAT Finance Ltd. Privacy Notice explains how GOAT Finance Ltd. processes personal data when it acts as controller in connection with Phase 2 onboarding, service activation, product use, transaction review, compliance monitoring, customer relationship management or another Phase 2 activity for which GOAT Finance Ltd. determines the purposes and essential means of processing.
This Privacy Notice forms Part B of the GOAT Finance Ltd. Entity Legal Pack.
This Privacy Notice supplements, and must be read together with:
the Goat Finance Global Privacy Policy;
the applicable Phase 1 Privacy Notice;
the applicable Product Terms;
any product-specific privacy notice;
any service-specific privacy and partner data-sharing disclosure;
any partner-related privacy disclosure presented to you.
This Privacy Notice does not repeat the full Global Privacy Policy. It explains only the GOAT Finance Ltd.-specific privacy information that applies when GOAT Finance Ltd. is the relevant Phase 2 controller.
2. Controller
Where GOAT Finance Ltd. acts as controller for Phase 2 processing, the controller is:
GOAT Finance Ltd.
1019-7070E Farrell Rd SE
Calgary, Alberta, T2H 0T2
Canada
Email: [email protected]
References to “GOAT Finance Ltd.”, “we”, “us” or “our” in this Privacy Notice mean GOAT Finance Ltd.
3. Phase 1 and Phase 2
Phase 1 processing is generally covered by the applicable Phase 1 Privacy Notice shown or made available to you during pre-onboarding, eligibility assessment, screening and routing.
This Privacy Notice applies only to GOAT Finance Ltd.’s Phase 2 processing.
Phase 2 begins when you are routed to GOAT Finance Ltd. for product-specific onboarding, service activation, transaction review, customer relationship management or another approved GOAT Finance Ltd. service route.
4. When This Privacy Notice Applies
This Privacy Notice applies when GOAT Finance Ltd. is responsible for processing personal data in connection with:
Phase 2 onboarding;
customer due diligence or enhanced due diligence;
product or service activation;
transaction review or transaction monitoring;
compliance screening;
source of funds or source of wealth review;
wallet or blockchain analytics review;
partner-supported service review;
risk management;
customer support;
complaints handling;
service administration;
legal, regulatory, tax, audit or recordkeeping obligations;
any product or service where GOAT Finance Ltd. is identified as the contracting entity or Phase 2 controller.
5. How GOAT Finance Ltd. Receives Personal Data
GOAT Finance Ltd. may receive personal data from:
you directly;
your authorized representative;
your company or employer;
another Goat Finance entity as part of the Phase 1 to Phase 2 handoff;
shared Goat Finance systems;
KYC/KYB providers;
identity verification providers;
sanctions, PEP and adverse media screening providers;
blockchain analytics providers;
fraud prevention providers;
banking, payment, settlement, liquidity or infrastructure partners;
public registers, public databases or government sources;
regulators, courts, law enforcement authorities or other competent authorities, where applicable.
The Phase 1 to Phase 2 handoff may include identity information, onboarding responses, documents, screening results, risk assessment information, eligibility outcomes, product route information and records of notices or terms shown during Phase 1.
6. Purposes Specific to GOAT Finance Ltd.
GOAT Finance Ltd. may process personal data for the general purposes described in the Goat Finance Global Privacy Policy and, specifically, to:
complete GOAT Finance Ltd. Phase 2 onboarding;
verify identity, business information, beneficial ownership and authority to act;
conduct KYC, KYB, customer due diligence and enhanced due diligence;
screen customers, representatives, beneficial owners, counterparties, wallets and transactions against sanctions, PEP, adverse media, fraud and risk databases;
assess source of funds and source of wealth;
assess eligibility for GOAT Finance Ltd. products or services;
determine whether partner-supported services require additional onboarding, approval, disclosures or data sharing;
provide, administer, monitor, suspend or terminate approved GOAT Finance Ltd. products or services;
review, process, settle, return, reject or investigate transactions;
comply with Canadian AML/CFT, sanctions, regulatory, tax, audit, reporting and recordkeeping obligations;
prevent fraud, cybercrime, misuse, sanctions evasion, money laundering, terrorist financing and other unlawful activity;
respond to regulator, law enforcement, court, tax authority, partner, banking provider or payment provider requests;
maintain records of legal documents, notices, disclosures, acceptances and acknowledgments;
establish, exercise or defend legal claims.
7. Canadian Privacy Framework
Where Canadian privacy law applies, GOAT Finance Ltd. processes personal information in accordance with applicable Canadian privacy principles, including accountability, transparency, purpose limitation, consent where required, reasonable collection, use and disclosure, safeguarding, accuracy, retention limitation and access rights.
Depending on the processing activity, applicable Canadian privacy laws may include federal private-sector privacy law and Alberta private-sector privacy law.
GOAT Finance Ltd. may collect, use or disclose personal information without consent where permitted or required by applicable law, including for legal, regulatory, AML/CFT, sanctions, fraud prevention, investigation, security, audit, dispute-resolution, emergency, business transaction or recordkeeping purposes.
8. EU/EEA, UK and Swiss Individuals
Where EU GDPR, UK GDPR or Swiss data protection law applies to GOAT Finance Ltd.’s processing, GOAT Finance Ltd. may process personal data in accordance with the applicable lawful bases or legal principles described in the Goat Finance Global Privacy Policy and any applicable privacy notice.
Where EU GDPR or UK GDPR applies, GOAT Finance Ltd. may rely on one or more of the following legal bases:
| Purpose | Legal basis |
|---|---|
| Phase 2 onboarding and eligibility review | Steps before entering into a contract; legitimate interests; legal obligation where applicable |
| Product or service provision | Performance of a contract |
| KYC, KYB, AML/CFT, sanctions, transaction monitoring and regulatory compliance | Legal obligation; legitimate interests where applicable |
| Source of funds, source of wealth and enhanced due diligence | Legal obligation; legitimate interests; substantial public interest or legal claims where special category or criminal-offence related data is involved |
| Fraud prevention, wallet screening, blockchain analytics, cybersecurity and risk management | Legitimate interests; legal obligation where applicable |
| Recordkeeping, audit, governance and legal claims | Legal obligation; legitimate interests; establishment, exercise or defense of legal claims |
| Service communications and customer support | Performance of a contract; legitimate interests |
| Optional marketing, if any | Consent or legitimate interests, depending on applicable law |
Where Swiss law applies, GOAT Finance Ltd. processes personal data in accordance with applicable Swiss privacy principles where relevant to the processing activity.
9. Sensitive Data, Biometric Data and Criminal-Offence Related Data
GOAT Finance Ltd. may process sensitive, biometric, sanctions-related, adverse media or criminal-offence related information where necessary or permitted for:
identity verification;
liveness or selfie checks;
KYC/KYB;
AML/CFT compliance;
sanctions screening;
PEP and adverse media screening;
fraud prevention;
cybersecurity;
regulatory compliance;
legal claims;
partner-supported service review.
Where EU GDPR or UK GDPR applies, GOAT Finance Ltd. processes special category data or criminal-offence related data only where an applicable legal basis and condition permit such processing.
Where Canadian privacy law applies, GOAT Finance Ltd. processes sensitive personal information only where reasonably necessary and subject to appropriate safeguards.
10. Sharing Within Goat Finance
GOAT Finance Ltd. may share personal data with other Goat Finance entities, personnel, contractors, shared service functions and global roles where necessary for:
Phase 2 onboarding;
customer due diligence;
enhanced due diligence;
compliance review;
transaction monitoring;
fraud prevention;
customer support;
technology operations;
legal or regulatory compliance;
internal governance;
reporting;
audit;
recordkeeping;
security;
multi-product or dual-entity routing.
Personal data is not made available to all Goat Finance entities by default.
Access is granted on a need-to-know basis, taking into account the relevant product, entity, phase, role, case assignment, compliance purpose, legal requirement, transfer requirement and security control.
11. Sharing With Partners and Providers
GOAT Finance Ltd. may share personal data with third parties where necessary or permitted for the purposes described in this Privacy Notice, the Global Privacy Policy, the applicable Product Terms, or a product-specific privacy or partner data-sharing disclosure.
These third parties may include:
KYC/KYB providers;
identity verification providers;
sanctions, PEP and adverse media screening providers;
blockchain analytics and wallet screening providers;
fraud prevention providers;
banks;
payment providers;
settlement providers;
liquidity providers;
execution providers;
technology, cloud, CRM, communication and support providers;
auditors, lawyers, tax advisers and professional advisers;
regulators, courts, law enforcement authorities, tax authorities and financial intelligence units;
Fiat Republic or other partners, where a Fiat Republic-supported or partner-supported route applies.
Where a product or service is supported by a partner, that partner may act as a processor, independent controller, joint controller, regulated provider or service provider depending on the facts and the applicable partner framework.
Product-specific privacy or partner data-sharing disclosures will provide additional information where relevant.
12. International Transfers
GOAT Finance Ltd. is based in Canada.
If you are located outside Canada, or if a service involves cross-border systems, partners, providers or shared resources, your personal data may be transferred to, accessed from or processed in Canada, Switzerland, the United States, the EU/EEA, the United Kingdom or other countries.
International transfers may occur because GOAT Finance Ltd. uses group resources, shared systems, vendors, service providers, compliance tools, payment providers, banking providers, blockchain analytics tools, liquidity providers, settlement providers or infrastructure partners located abroad.
Where required, GOAT Finance Ltd. will use appropriate safeguards, such as:
contractual safeguards;
transfer assessments;
data processing agreements;
access restrictions;
technical and organizational measures;
encryption, minimization or pseudonymization where appropriate;
standard contractual clauses or equivalent mechanisms where applicable;
other lawful transfer mechanisms.
Further information on Goat Finance’s general transfer framework is available in the Goat Finance Global Privacy Policy.
13. Retention
GOAT Finance Ltd. retains personal data for as long as necessary for onboarding, service provision, AML/CFT, sanctions, transaction monitoring, tax, audit, legal, regulatory, security, dispute resolution, recordkeeping and governance purposes.
Unless a shorter or longer period applies under applicable law or a specific retention notice, onboarding, customer due diligence and transaction records may generally be retained for up to 10 years after the end of the relationship, the relevant transaction or the relevant decision.
Rejected, declined or incomplete applications may be retained where necessary for compliance, fraud prevention, risk management, legal, regulatory, audit or recordkeeping purposes.
14. Automated Screening, Profiling and Risk Assessment
GOAT Finance Ltd. may use automated or semi-automated tools to support:
identity verification;
document verification;
liveness checks;
sanctions screening;
PEP and adverse media screening;
fraud detection;
wallet screening;
blockchain analytics;
transaction monitoring;
customer risk rating;
eligibility and routing review;
jurisdiction-aware product controls.
These tools may generate alerts, matches, scores, recommendations or risk indicators.
GOAT Finance Ltd. may use these outputs to support human review, compliance decisions, onboarding decisions, transaction review, suspension, rejection or escalation.
GOAT Finance Ltd. does not intend to make decisions based solely on automated processing that produce legal or similarly significant effects unless permitted by applicable law and appropriate safeguards are applied.
15. Your Rights
Depending on applicable law, you may have rights to:
access your personal data;
receive information about processing;
correct inaccurate data;
request deletion;
restrict processing;
object to processing;
receive data portability;
withdraw consent where processing is based on consent;
challenge or request review of certain automated decisions where applicable;
lodge a complaint with a privacy or data protection authority.
These rights may be limited where processing is required or permitted for AML/CFT, sanctions, fraud prevention, legal obligations, regulatory compliance, legal claims, security, audit, tax, partner requirements, transaction monitoring or recordkeeping purposes.
To exercise your rights, contact:
We may need to verify your identity before responding.
16. Privacy Complaints and Authorities
Depending on your location and applicable law, you may have the right to lodge a complaint with:
the Office of the Privacy Commissioner of Canada;
the Office of the Information and Privacy Commissioner of Alberta;
your local EU/EEA data protection authority;
the UK Information Commissioner’s Office;
the Swiss Federal Data Protection and Information Commissioner;
another competent privacy or data protection authority, where applicable.
We encourage you to contact us first so we can try to resolve your concern.
17. EU and UK Representative
If EU GDPR or UK GDPR applies and GOAT Finance Ltd. is required to appoint a representative in the EU or the United Kingdom, the relevant representative details will be made available here:
EU Representative: Carlos Arias Reggeti. Head of
Compliance
UK Representative: [insert if appointed / if
required]
If no representative is required because an exemption applies or because the processing does not trigger the appointment requirement, GOAT Finance Ltd. may maintain the relevant internal assessment.
18. Contact
For privacy questions, rights requests or complaints relating to GOAT Finance Ltd.:
GOAT Finance Ltd.
1019-7070E Farrell Rd SE
Calgary, Alberta, T2H 0T2
Canada
Email: [email protected]