Terms of Service

1. Eligibility and Registration

1.1 Eligibility: You must be at least 18 years of age and legally capable of entering into contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

1.2 Registration: To access certain features of our services, you may be required to register and create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2. Services and Transactions

2.1 Services Provided: Maxpay offers money transfer and currency exchange services within the scope of our registration as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number M23245136. Our services are subject to compliance with applicable laws and regulations.

2.2 Transaction Details: When using our services for money transfers or currency exchanges, you agree to provide accurate and complete transaction details, including recipient information and transaction amounts. You authorize us to process transactions based on the information provided.

3. Compliance with Laws and Regulations

3.1 Legal Compliance: You agree to use our services in compliance with all applicable laws and regulations, including but not limited to anti-money laundering (AML) and counter-terrorist financing (CTF) laws. As a registered MSB, we adhere to FINTRAC regulations and guidelines.

3.2 Customer Due Diligence: We may require additional information or documentation to verify your identity and ensure compliance with regulatory requirements before processing certain transactions.

4. Fees, Charges, and Payment

4.1 Fee Disclosure: By using our services, you agree to pay any applicable fees and charges disclosed to you before initiating a transaction. Fees may vary based on transaction type, amount, and payment method.

4.2 Payment Methods: We accept payments through approved methods outlined in our service agreements and on our website.

5. Intellectual Property

5.1 Ownership: All intellectual property rights associated with our services, including logos, trademarks, and software, are owned or licensed by Maxpay. You agree not to use, copy, modify, distribute, or reproduce any part of our services without our prior written consent.

6. Limitation of Liability

6.1 Exclusion of Liability: Maxpay shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services, except where prohibited by law. In no event shall Maxpay's total liability exceed the amount paid by you for the relevant transaction.

7. Privacy

7.1 Privacy Policy: Your use of our services is subject to our Privacy Policy, which outlines how we collect, use, disclose, and protect your personal information in accordance with applicable privacy laws.

8. Termination and Suspension

8.1 Termination Rights: We reserve the right to suspend or terminate your access to our services at any time and for any reason, including violation of these Terms, without prior notice.

9. Governing Law and Jurisdiction

9.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of the Province of [Province], Canada, without regard to its conflict of laws principles.

10. Amendments and Updates

10.1 Amendments: We reserve the right to modify or update these Terms at any time without prior notice. Changes will be effective upon posting the revised Terms on our website. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

11. Severability

11.1 Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.