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Terms & Conditions

ARDENTPAY LTD.

Registration number: 1001134063

KEY INFORMATION

Effective Date: 20.02.2026

Next Review Date: 20.02.2027

General provisions

Definitions and abbreviations

Use of Account / Services

Restrictions of Services use

Security measures

Fees

Funds adding

Withdrawing funds from your Account

Correspondent banking and third-party reliance

Warranties and acknowledgments of the Customer

Account / Services freeze

Closing your Account or stopping your use of our Services

Closing your Account by the Company

Unclaimed funds and dormant Accounts

Error resolution and complaints

Record keeping

Electronic communications consent

Contacts

1. GENERAL PROVISIONS

1.1 Provided Terms and Conditions constitute a legally binding agreement between Customer (“You“) and ARDENTPAY LTD., Ontario Business Corporation with registration number 1001134063 (the “Company“) governing your access to and use of the Company’s money services business services including money transfers, foreign exchange currency, exchange payment processing and any related services offered by the Company. By accessing or using the Services you agree to be bound by these Terms and Conditions as amended from time to time.

1.2 Our Company is registered as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada and operates in compliance with applicable federal and provincial laws and regulations including the Proceeds of Crime Money Laundering and Terrorist Financing Act and its associated regulations. Nothing in these Terms shall be interpreted as limiting the Company’s legal or regulatory obligations.

1.3 By visiting our Website or using our Services (including downloading and using our App, or using our Services via the API, a social media or other platform or other authorised third party), you confirm that you accept and agree to this Terms in its most current form as posted on our Website, App or by an API Partner. If you do not agree, you must not use our Services.

1.4 Where there are any differences between this Terms, the additional documents or information we provide on our Website, App or via an API Partner, the terms in this Terms will take priority.

1.5 We may update this Terms from time to time according to our right to make changes. Any changes made to this Terms will take effect as soon as the Terms is on our Website and App or on the date notified to you. You can always see the most current version of this Terms on our Website.

1.6 Where the Services are provided to Customers in Canada or otherwise fall within the scope of Canadian law, the Services are intended to operate as a money services business in accordance with applicable Canadian laws and regulations, including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and related regulations, as administered by the Financial Transactions and Reports Analysis Centre of Canada.

1.7 You acknowledge and agree that your use of the Services is subject to applicable antimoney laundering, counterterrorist financing, sanctions, and recordkeeping requirements. We may take reasonable measures to comply with such requirements, including verifying your identity, monitoring transactions, maintaining records, and reporting certain transactions or activities to competent authorities where required by law.

1.8 We reserve the right to refuse, suspend, restrict, or terminate access to the Services, or to delay or block transactions, where necessary to comply with applicable legal or regulatory obligations, or where we reasonably determine that such action is required to manage legal, regulatory, or risk considerations.

1.9 You represent and warrant that you will not use the Services in any manner that would cause us to breach applicable Canadian laws or regulations, including those relating to money laundering, terrorist financing, economic sanctions, or other financial crime prevention measures.

2.0 This Policy forms an integral part of and shall be read together with the Company’s Terms and Conditions Master Services Agreement, Privacy Policy, Anti Money Laundering and Anti Terrorist Financing Compliance Program and any other policies procedures disclosures or agreements issued by the Company from time to time.

2.1 If any part of these Terms is found invalid, unlawful or unenforceable, other terms and conditions shall continue to be valid and binding.

2.2 In case the client is not satisfied by the financial services provided by our Company, the Client has the right to submit an official complaint to our Company. The rules on submission of such complaint, complaint resolution terms, the rights of the Client and other related provisions are indicated in the rules on investigation of complaints.

2. DEFINITIONS AND ABBREVIATIONS

2.1. Application – means a mobile application for Account management, installed and used in mobile devices that belongs to and operated by the Company.

2.2. API – means the application programming interface provided by our Company, for example, through an API Partner.

2.3. Account – means an account opened within our Company in the name of the Customer with the aim to receive the services. Online Account means the result of registration in the computer system or Application, during which personal data of the registered Customer is saved, a login name is assigned and the rights of the Client in the System are defined.

2.4. Business – means the sole proprietorship, freelancer, limited liability company, corporation, partnership, charity or trust as applicable.

2.5. Business Day – means a day, when our Company provides its services, set by our Company. Our Company is entitled to set different business days for different services.

2.6. Commission Fee / Fee – the amount of money charged by our Company from the Customer for provision of our Services to the Customer.

2.7. Company – ARDENTPAY LTD., Ontario Business Corporation with registration number 1001134063.

2.8. Customer / Client – a legal entity, organization, company or individual, who uses the Website and/or familiarizes himself with the provisions of the Website, this Policy and the provisions of other documents, and intends to register on the Website to receive the services.

2.9. Chargeback – means the person sending you the money has made a claim to their bank or payment provider that money was sent to you illegitimately, or the payment to our Company fails due to insufficient funds, account closed, or any other reason.

2.10. Electronic Money – means money credited/ transferred to and held on Account for executing Payment Services via the System.

2.11. Payment Operation – means a money transfer, payment or withdrawal initiated by a payer or a payee.

2.12. Payment Order – means an order from the Client for the execution of the Payment Operation.

2.13. Payment Service – means services provided by our Company and all products, content, features, technologies, or functions offered by us and all related websites, applications (including the App), and service models (including the Website and via an API Partner), and including the Account, the currency conversion, and Money Transfer offerings. For example, but not limited: (i) execution of payment transactions, including transfers of funds on a payment account with the payment service provider of the payment service user or with another payment service provider: execution of direct debits, including one-off direct debits, execution of payment transactions through a payment card or a similar device and/or execution of credit transfers, including standing orders; and/ or (ii) issuing of payment instruments and/ or acquiring of payment transactions; and/ or (iii) money remittance; and/ or (iv) services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account; and/ or (v) services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.

2.14. Payment Instrument – means any payment instrument which allows to link to the Account and perform payment transfers using this payment instrument.

2.15. Money Transfer – means a direct transfer of funds paid by you, without using funds in your Account, to a designated recipient that is sent using our Services. In some currencies, you may only be able to convert and send funds using your Account and cannot make a direct Money Transfer.

2.16. System – means a software solution on our Company’s web page and Application used for provision of Services.

2.17. Password (Passwords) – means any code of the Customer created in the System or provided to the Customer by our Company for the access to the Online Account and/ or Account or initiation and management of separate services provided by our Company and/ or initiation, authorization, implementation, confirmation and reception of Services.

2.18. Website means any our webpage, including but not limited to ardentpay.io, where we provide the Services to you.

3. REGULATORY STATUS DISCLOSURE

3.1. Our Company is registered as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada. Registration does not constitute endorsement approval certification or supervision of the Company’s business practices by any governmental authority. Registration does not imply that the Services are guaranteed insured or recommended by any regulator.

3.2. The Company is not a bank credit union trust company or deposit taking institution. Funds held by the Company are not insured by the Canada Deposit Insurance Corporation and do not constitute deposits within the meaning of applicable banking legislation. However, as a regulated Money Services Business, the Company remains subject to recordkeeping, reporting, and compliance obligations under Canadian law. Where required by applicable legislation or lawful instruction, the Company may transfer unclaimed funds to the custody of the relevant authority, and such transfer shall discharge the Company from further liability in respect of those funds to the extent permitted by law.

3.3. Money you hold with our Company, in any currency, is not insured by any deposit protection scheme, including the Financial Services Compensation Scheme (FSCS). We hold your funds in permissible investments in accordance with applicable laws. We owns the interest or other earnings on these investments, if any.

3.4. Nothing in these Terms creates any fiduciary partnership agency joint venture trustee or similar relationship between you and the Company. The Company provides transactional services only and does not act as your fiduciary financial advisor or trustee.

3.5. You acknowledge that the Company acts solely as an independent service provider and that no special relationship of trust confidence or reliance is created beyond the contractual obligations expressly stated herein.

4. USE OF ACCOUNT / SERVICES

4.1. Your Business must be organised or registered in a country or territory that we support in order to use our Services.

4.2. Your Business may only open one Account and one profile unless we explicitly approve the opening of additional accounts. Where duplicate accounts are detected, our Company can close or merge these duplicate accounts without notifying you.

4.3. You must confirm that you in fact have authority to bind the Business on whose behalf you use our Services, and the Business accepts the terms of this Agreement. We may ask you at any time to provide proof of such authority. If you do not provide proof of authority that is acceptable to us, we may close or suspend the Account or Services held by your Business or deny you access. This may be in favour of others who can provide proof of such authority.

4.4. To start using our Services, you must create a profile and provide certain information about your Business as prompted by us. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.

4.5. You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Account with us or in the event of a dispute relating to this Agreement or our Services. You agree we may disclose certain information about your Business and Authorised Users, including relevant individuals’ names, residential addresses, and dates of birth to a credit reporting agency to obtain a credit report for these purposes.

4.6. We may offer additional features to enhance your Account from time to time, such as connections to third party accounting software. We may stop offering those at any time without prior notice to you.

4.7. We are required by law to conduct certain security and customer due diligence checks on you to provide any Services to you and allow you to have and maintain the Account. Sometimes, we might also need to perform checks on other parties involved in a particular transaction (for example, on your recipient).

4.8. You can authorise others to access, use or operate a Account or otherwise use our Services on behalf of a Business (but not by or on behalf of an individual) (an “Authorised User”). You acknowledge that if you provide such access to an Authorised User, we’ll deal with such Authorised User as if they were you for the purposes of this Agreement including any conduct related to money held in the Account or other instructions, such as withdrawing or sending money. You will be bound by anything done by any Authorised User, even if they do something that is outside the scope of the authority you gave them. You acknowledge that will not perform any verification of the authority of your Authorised Users to act on behalf of your Business. You also acknowledge that we may disclose certain information about your profile or Account to any Authorised User and that we are not responsible for your Authorised User’s use of that information. Granting permission to any Authorised User does not relieve you of your responsibilities under this Agreement, including notifying us if your Account has been compromised or if a transaction is suspected to be incorrect or unauthorised.

4.9. The Client may check the Account balance and history by logging in to the Online Account or the Application. The Client can also find information about all applied fees and other fees deducted from the Account of the Client during a selected period of time.

4.10. The Client has the right to change the limits on Payment Transfers for the Account by completing an additional Online Account confirmation in accordance with the procedure established in the System and setting other limits for transfers by completing an additional confirmation. The Client may set the limits at his own discretion, however our Company has the right to limit the size of the limits at any time. The Client may check the applied limits in the System. The Client will be notified about the limit’s entry into force by e-mail and through the System.

4.11. The Client’s confirmations, orders, requests, notifications and other actions performed through websites of third persons or other places by logging in to his/ her Account and identifying himself/ herself in this way are treated as conclusion of an agreement.

4.12. The management of the Account via the internet:

4.12.1. In order to execute a Payment Operation via the internet, the Client must fill in a Payment Order in the System and submit it for execution, electronically confirming in the System his/ her Consent to execute the Payment Order.

4.12.2. Submission of the Payment Order in the System is an agreement of the Client to execute the Payment Operation and cannot be cancelled (cancellation of the Payment Order is only possible until the execution of the Payment Order has been started – status of the Payment Order and possibility of cancellation are visible on the Online Account of the Client).

4.12.3. In case the amount of money on Account of the Client is insufficient to execute the Payment Transfer, the Payment Transfer is cancelled. The Client can file in the Payment Order again once the amount of money on Account becomes sufficient. If the amount of money on Account is insufficient in one currency, but there is a sufficient amount of money in another currency, the Payment Transfer shall not be executed until the Client converts other currency to the currency of the payment (except for cases, when the Client has ordered an automatic currency exchange feature or the transfer is intended for paying for goods or services via System).

4.12.4. The Payment Order (from the Account opened within our Company to the other Account opened within our Company) is considered received (calculation of the time period of execution of such Payment Order starts) on the day of its reception, or, if the moment of reception of the Payment Order is not a Business Day, the Payment Order is considered received on the nearest Business Day.

5. RESTRICTIONS OF SERVICES USE

5.1. The Customer shall act reasonably and responsibly when using the Account, or any Service we provide to you under it. The Services may only be used for legitimate lawful personal or business purposes consistent with applicable Canadian federal and provincial laws and international regulatory requirements. You agree that you will not use the Services in any manner that exposes the Company to regulatory legal reputational or financial risk.

5.2. You cannot use your Account and Services in the following ways, either directly or indirectly: (1) for illegal purposes (for example, committing fraud); (2) in a way that we reasonably believe might harm our ability to provide our Services; (3) to control or use an Account that’s not yours; (4) to allow anyone else to have access to or use your Account; (5) to abuse, exploit or get around any usage restrictions set by a service provider your Account is registered with; (6) to trade in foreign currencies for speculative purposes (that is, to take advantage of any expected rise or fall in the value of a currency) or to take advantage of discrepancies in the foreign exchange market; (7) for Money Laundering or Terrorist Financing; (8) for Sanctions Violations; (9) for Illegal goods or services; (10) for regulatory evasion.

5.3. The Services may only be used by individuals and entities who: (1) in case of individuals: are at least the age of majority in their province or territory of residence (18+) (2) have full legal capacity to enter into binding agreements; (3) are not subject to economic or trade sanctions; (4) are not listed on any sanctions list administered by the Government of Canada, including but not limited to those maintained by the Office of the Superintendent of Financial Institutions (OSFI).

5.4. You may use the Services only for lawful purposes and in accordance with applicable laws regulations and these Terms. You agree not to use the Services for money laundering terrorist financing fraud sanctions evasion tax evasion or any other illegal or prohibited activity. You shall not use the Services to conduct transactions involving sanctioned individuals entities or jurisdictions or to facilitate transactions relating to illegal goods or services. You shall not attempt to circumvent transaction monitoring controls reporting thresholds or account limits.

5.5. You are prohibited from reverse engineering interfering with disrupting or attempting to gain unauthorized access to the Company’s systems networks or compliance controls. Any attempt to test exploit or circumvent security mechanisms shall constitute a material breach of these Terms.

5.6. These restrictions apply continuously throughout your relationship with the Company and survive termination of your account to the extent necessary to enforce compliance investigate misconduct or fulfill regulatory obligations.

6. SECURITY MEASURES

6.1. Your security and the integrity of the financial system are shared responsibilities. While the Company implements compliance controls transaction monitoring systems identity verification procedures and fraud prevention safeguards you are responsible for taking reasonable measures to protect your account credentials devices and transaction information.

6.2. You must maintain the confidentiality of your login credentials authentication factors verification codes and any account recovery information. You must not share access to your account with any third party or permit another individual to transact on your behalf unless expressly authorized in writing by the Company and subject to required verification procedures.

6.3. You are responsible for ensuring that your contact information including email address telephone number and physical address remains current and accurate. Failure to maintain accurate contact information may delay security notifications verification requests or transaction processing.

6.4. You must immediately notify the Company if you suspect unauthorized access to your account compromise of credentials fraudulent activity identity theft or any unusual or unexpected transaction. Prompt reporting allows the Company to implement mitigation measures including account restriction transaction review and investigation.

6.5. You should independently verify the identity and legitimacy of any person requesting funds from you. The Company does not guarantee the authenticity of counterparties and is not responsible for losses resulting from scams fraud social engineering phishing romance schemes investment schemes impersonation scams or other deceptive practices. Once funds are transmitted they may not be recoverable.

6.6. You should exercise caution when responding to unsolicited communications requesting payment personal information or urgent financial action. The Company will not request your password full authentication credentials or verification codes through unsolicited communications. Any request for such information should be treated as suspicious and reported immediately.

6.7. You must ensure that the funds you transmit are for lawful legitimate purposes and that you understand the nature of the transaction including the identity of the beneficiary and the reason for the transfer. You remain responsible for the accuracy of beneficiary information including account numbers digital wallet addresses and routing details. Errors in recipient information may result in irreversible loss.

6.8. You are responsible for maintaining the security of the devices used to access the Services including installing security updates using reputable antivirus software enabling device level authentication and avoiding the use of unsecured public networks when conducting financial transactions.

6.9. Where available you are encouraged to enable multi factor authentication and additional security controls offered by the Company. Failure to adopt reasonable security measures may increase the risk of unauthorized access and financial loss.

6.10. The Company may implement transaction limits velocity controls geographic restrictions device fingerprinting behavioral analytics and other risk mitigation tools to protect users and the financial system. You acknowledge that such controls may result in transaction delays additional verification requests or temporary restrictions where risk indicators are detected.

6.11. The Company does not provide investment advice legal advice or tax advice. You are responsible for conducting your own due diligence before entering into any transaction and for obtaining independent professional advice where appropriate.

6.12. You acknowledge that financial crime methodologies evolve and that no system can eliminate all risk. The Company shall not be liable for losses arising from fraud or unauthorized transactions where you have failed to take reasonable steps to safeguard your account or where the Company has acted in good faith and in accordance with applicable legal and regulatory requirements.

6.13. Staying safe while using the Services requires vigilance awareness and cooperation. By using the Services you agree to act prudently maintain accurate information respond promptly to verification requests and immediately report any suspected misuse or security concern.

6.14. We have the right to refuse to execute a Payment Order in case of a reasonable doubt that the Payment Order has been submitted by the Client or an authorized representative of the Client, Payment Order or the submitted documents are legitimate. In such cases, we have the right to demand from the Client to additionally confirm the submitted Payment Order and/ or submit documents confirming the rights of persons to manage the funds held on the Account or other documents indicated by our Company in a way acceptable to us at expense of the Client. In cases mentioned in this point, we act with the aim to protect legal interests of the Client, our Company and/ or other persons, thus, we do not undertake the responsibility for losses which may arise due to the refusal to execute the submitted Payment Order.

6.15. Before executing the Payment Order submitted by the Client, our Company has a right to demand from the Client documents which prove the legal source of money related to the Payment Order. In case the Client does not submit such documents, our Company has the right to refuse to execute the Payment Order of the Client.

6.16. If money transferred by the Payment Order is returned due to reasons beyond the control of our Company (inaccurate data of the Payment Order, the account of the recipient is closed, etc.), the returned amount is credited to the Account of the Client. Fees paid by the Payer for the Payment Order execution are not returned, and other fees related to the returning of money and applied to our Company can be deducted from the Account of the Client.

6.17. Our Company is entitled to return to the issuing side any incoming transaction, which appears suspicious in any way, and charge the applicable fees from the Client’s account. The fees may include the standard charges for a wire transfer or a SWIFT confirmation procedure to identify the account number of the issuer and allocate the returned funds there. The fee may be higher depending on the destination, currency and, if applies, foreign currency conversion.

7. FEES

7.1. Registering for Account and/or opening an Account may incur a charge. You may incur a fee when you use parts of our Services such as sending money, converting currencies, getting a card, or receiving wire payments.

7.2. You must pay our fees. We may not process your transaction(s) or provide any other Services to you until we have received the fees from you. Our fees do not include any fees that an API Partner, your bank, the recipient’s bank or other third party may separately charge.

7.3. You can see our fee structure on the pricing page. The fees set out in our Pricing page will be applicable to you when you use our Services and forms part of this Terms and Agreement between our Company and you. We may charge you a variable fee during periods of potential heightened volatility or unpredictability in the foreign exchange market, as determined by our Company. We will let you know if this fee is applicable when you set up your order. It is important that you read and agree to these fees before you use our Services.

7.4. We can make deductions for amounts you owe us. You agree that we are authorised to deduct our fees, any applicable reversal amounts, or any amounts you owe us from your Account, including a negative Main Account balance in any currency and funds held in a Jar or Group. If you don’t have sufficient funds in your Account to cover these amounts, we may refuse to execute pending or future transactions or provide any Services to you and may deduct funds sent to us for Services in the future.

7.5. API Partner fees. An API Partner may charge a fee for the convenience of using our Services via the API Partner. This fee is set by the API Partner and is separate to any fees charged by our Company for your transaction(s). We may collect this fee on behalf of an API Partner.

7.6. Foreign exchange transactions may include a margin embedded within the exchange rate quoted to you. The exchange rate provided may differ from wholesale interbank rates and may include a spread determined by the Company in its discretion. By confirming a transaction you accept the quoted exchange rate and associated fees.

7.7. Certain transactions may be subject to additional charges imposed by third party financial institutions correspondent banks payment networks or receiving institutions. The Company does not control such third party fees and is not responsible for variations deductions or additional charges applied after funds leave the Company’s control.

7.8. Fees may vary depending on transaction amount destination corridor payment method account history risk profile and service type. The Company reserves the right to modify its fee structure at any time to reflect changes in operational costs regulatory requirements market conditions or risk assessments. Any changes to fees will be made available through the Company’s website platform or other communication channels as required by law.

7.9. You authorize the Company to deduct applicable fees directly from transaction amounts or from your account balance where appropriate. Where insufficient funds are available the Company may decline to process the transaction or may require additional payment before completion.

7.10. In the event of chargebacks reversals returned payments or failed transactions you may be responsible for associated fees administrative costs currency conversion losses and third party expenses incurred by the Company. The Company reserves the right to recover such amounts from your account or through other lawful means.

7.11. Compliance related reviews triggered by unusual or high risk activity may require enhanced due diligence. Where permitted by law the Company may impose reasonable administrative fees associated with such reviews particularly in commercial or high volume accounts.

7.12. Except where required by law completed transactions are non refundable and fees are non refundable once the Service has been provided or the transaction has been executed. Refunds if applicable will be processed in accordance with regulatory requirements and internal policies.

7.13. You are responsible for any taxes duties levies or government charges arising from your use of the Services other than taxes imposed directly on the Company’s income. The Company may withhold amounts where required by applicable law.

7.14. Failure to pay applicable fees or outstanding balances may result in suspension restriction or termination of your account and may be subject to recovery actions.

8. FUNDS ADDING

8.1. When Our Company provides you with Account Details (as described further below), these Account Details are a means to receive funds from third parties into the account held by our Company and its affiliates. We can credit your Account when you use these Account Details, and they are not a bank account number for a bank account held by you.

8.2. To add funds to your Account, you need to log in to your Account and follow the steps. You may be presented with one or more methods of adding funds to your Account. For example, you may be able to use a bank transfer, authorise our Company to debit the money from your bank or payment account with a third party, or use a credit card or debit card (in this Agreement, we will call these methods “Pay-in Methods”). Any Pay-In Method that you use to add money to your Account must be in your name.

8.3. If you choose to pay for a Money Transfer or to add funds to your Account by using the Direct Debit feature (including BACs), you will need to provide your bank login details or bank account details to us, including your bank account number and routing number. When you choose to pay using Direct Debit and provide your details, you confirm that your details are correct, that you are authorised to access and transmit funds from your bank account, that your bank account is in good standing with the account-holding financial institution, and that you have the authority to initiate an electronic funds transfer in the amount at issue to or from your bank account.

8.4. In case the Client indicates incorrect data of the recipient and the Payment Order is executed according to the data provided by the Client (e.g. the Client indicates a wrong account number), it shall be considered that our Company has fulfilled its obligations properly and shall not repay the transferred amount to the Client. The Client shall directly contact the person who has received the transfer regarding the return of the money.

8.5. When you choose to pay using Direct Debit, by providing your bank account details and requesting a transaction, you authorise us to initiate electronic credits and debits to your bank account through the scheme network, including any applicable fees and charges, and this authorisation shall remain in effect so long as you are a registered user with our Service unless cancelled in accordance with this Terms.

8.6. In the event that your Direct Debit payment results in a Reversal, we will try to take the payment from your Account again. For example, if there isn’t enough money in your Account when we try to take the payment, we may attempt to debit it again.

8.7. The Pay-in Methods made available to you will depend on a few factors including where you live and your verification status with us. You will see the available Pay-in Method when you choose to add funds to your Account. We cannot guarantee the availability of any particular Pay-in Method and we may change or stop offering a Pay-in Method at any time without notice to you.

8.8. Where you can use a debit or credit card as your Pay-in Method to add money to your Account, you will need to provide your card details to us. This will include your card number and cardholder name. When you choose to add money via debit or credit card, you confirm that your card details are correct, that you are authorised to access and transmit funds from your card account, that your card account is in good standing with the account provider and that you have the authority to initiate a debit or credit card payment in the amount at issue from your card account. You will need to pay any fees incurred from adding money by using your debit or credit card.

8.9. We only offer the Pay-In Methods you see when you access our Services. Other methods, such as a paper or e-cheque, and cash will not be accepted. For legal, security, or other reasons, there may be financial limits on your chosen Pay-in Methods or currencies, including how much you can add to your Account. We will let you know at the time of adding money if there is a limit.

8.10. Receiving money to your Account. Where available, and in certain currencies, you may request to receive money from a third party (“Request Money”) or we may provide you with local account details that you or a third party can use to send money directly to your Account (“Account Details”). The Account Details that we provide to you are only a means to receive funds from third parties into a bank account held by our Company and its affiliates, so that we can credit your Account that is held at our entity described in the beginning of this Agreement (regardless of currency) and are not a bank account number for the Account held by you.

8.11. We may carry out verification checks when you request Account Details in addition to the checks required to obtain an Account, and we may carry out further checks on an ad-hoc basis. From time to time your Account Details may change. When this occurs, we will notify you, and you are responsible for updating third parties and other arrangements you may have to receive funds using your Account Details. Our Company is not responsible for issues that arise when Account Details are changed, and it is your responsibility to notify third parties that your Account Details have changed.

8.12. Using Request Money to receive money. You can use the Request Money feature of your Account when requesting a payment from a third party. The Request Money feature allows a third party to send you money via a number of available methods including Card, their Account, bank transfer and open banking. When using open banking, your account details and requested amount are pre-populated for the third party. Our Company is not responsible for issues that arise when changes are made by the third-party to the pre-populated details including the requested amount.

8.13. When money received is shown in your Account. Any money you receive into your Account will be converted into electronic money and recorded in your transaction history. You should check and confirm the receipt of incoming funds in your Account regularly and let us know if there are any irregularities or discrepancies.

8.14. When we will credit your Account. We are not responsible for the funds you have added until we have received them. For clarity, when you add funds to your Account, we are the recipient of those funds. This means the bank or payment service provider you used to send the funds to us is the one responsible for making sure we receive them so that we can credit them to your Account.

8.15. Our Company is committed to adhering to the specified time limits for processing transactions as detailed in General Terms. However, these time frames may not apply in instances where our Company undertakes Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) activities or conducts investigations into specific transactions. In such circumstances, we will ensure that the transactions are executed within a reasonable period of time, without undue delay, to maintain compliance with regulatory requirements and safeguard the integrity of our financial operations.

9. WITHDRAWING FUNDS FROM YOUR ACCOUNT

9.1. You can request to withdraw your funds. You may withdraw all or some of the balance in your Account. We may charge you a fee for each withdrawal request, we will let you know the exact amount when you submit your request. You can also find out more information about the fees we charge on the Pricing page.

9.2. Pay-out Methods available to you. You may be presented with one or more methods of withdrawal. The number of Pay-out Methods made available to you will depend on a few factors including where you live and your verification status with us. We cannot guarantee the use of any Pay-out Method and may change or stop offering a Pay-out Method at any time without notice to you.

9.3. You must provide correct information to us. When setting up your withdrawal request, you must ensure that the information you provide is correct and complete. We will not be responsible for money sent to the wrong recipient because of incorrect information provided by you. The Client is obliged to provide a Payment Order for the execution of the Payment Transaction in accordance with the instructions specified in the System and valid at the moment of transfer. If the Customer or payer submits an incorrect Payment Order or indicates incorrect data for the Payment Transfer, but the Payment Transfer has not been executed yet, the Client may request to correct the Payment Order.

9.4. What happens if you provide incorrect recipient information. If you have provided incorrect information to us, we may, but are not required to, assist you in recovering your funds. We cannot guarantee that such efforts will be successful as they rely on the policies and practices of other banks and institutions. In addition, we may not be able to confirm that your recipient’s name and account number match, as the names and other information associated with third party accounts may not be known to our Company. This means that if you provide an incorrect account number, your funds will most likely go to the wrong account.

9.5. Your withdrawal request is subject to limits. You agree that your Account is subject to withdrawal limits. If your withdrawal request exceeds the current limit, we may decline your request or we may require you to provide additional documents to us so that we can carry out additional checks before allowing the money to be withdrawn.

9.6. Delay in withdrawal. We may delay a withdrawal in certain situations, including if we need to confirm that the withdrawal has been authorised, to complete verification checks, or if other payments to your Account have been reversed (for example, because of a chargeback or Reversal). We cannot be held responsible for any such delays, provided that we have acted reasonably in delaying a withdrawal.

9.7. Finality. Pay-outs, currency conversions and Card or other transactions executed by us are final and irrevocable once you request them, unless otherwise provided in this Agreement or pursuant to applicable law.

10. CORRESPONDENT BANKING AND THIRD PARTY RELIANCE

10.1. The Company may rely on third party financial institutions correspondent banks payment processors liquidity providers clearing systems blockchain networks or other intermediaries to complete transactions. The Company does not control such third parties and shall not be responsible for their acts omissions delays fees or failures.

10.2. You acknowledge that intermediary institutions may apply their own compliance reviews holds deductions or restrictions independent of the Company.

10.3. You acknowledge that transactions may be routed through one or more Third-Party Providers and that the Company does not control the operations, systems, policies, or decisions of such entities.

10.4. Each Third-Party Provider operates under its own compliance framework, including anti-money laundering, counter-terrorist financing, sanctions screening, fraud prevention, and risk management controls. Such providers may conduct independent reviews of transactions, impose holds, delays, reversals, deductions, or rejections, or request additional information or documentation, irrespective of any review conducted by the Company.

10.5. The Company shall not be responsible for actions taken by Third-Party Providers in accordance with their legal or regulatory obligations, internal policies, or risk assessments.

10.6. The Company does not guarantee the availability, continuity, speed, or success of any transaction that depends on a Third-Party Provider. Transactions may be delayed, interrupted, returned, or fail due to factors outside the Company’s control, including system outages, liquidity constraints, compliance reviews, cutoff times, foreign exchange market conditions, or actions taken by intermediary institutions.

10.7. Where the Company maintains correspondent or similar banking relationships, such relationships are established and maintained in accordance with applicable Canadian law and regulatory expectations, including requirements to assess the risk profile of counterparties and to avoid prohibited relationships. The existence of a correspondent or intermediary relationship does not create any contractual or fiduciary relationship between you and any Third-Party Provider.

10.8. You acknowledge and agree that the Company acts solely as a service provider facilitating transactions and does not assume the credit, settlement, or insolvency risk of any Third-Party Provider. The Company shall not be liable for losses, costs, delays, or damages arising from the acts or omissions of Third-Party Providers, including but not limited to compliance-related holds, sanctions screening outcomes, intermediary fees, currency conversion differences, or insolvency of a Third-Party Provider, except to the extent required by applicable law.

10.9. To facilitate transactions and comply with legal and regulatory obligations, the Company may share relevant transaction, account, and identification information with Third-Party Providers, correspondent banks, and competent authorities, including across borders, subject to applicable data protection and privacy laws. You consent to such disclosures as necessary for the provision of the Services.

10.10. Third-Party Providers may impose fees, charges, or deductions, including intermediary bank fees, correspondent banking fees, network fees, or foreign exchange spreads, which are outside the Company’s control. Such fees may be deducted from transaction amounts before funds reach the intended recipient. The Company is not responsible for the amount or disclosure of such third-party fees unless expressly stated otherwise.

10.11. Where the Company operates through agents representatives or partners such parties act as independent contractors unless expressly stated otherwise. The Company is not liable for unauthorized representations made by agents outside the scope of their authority.

11. WARRANTIES AND ACKNOWLEDGMENTS OF THE CUSTOMER

11.1. By using the Services, you represent, warrant, and acknowledge that all information provided to the Company is true, accurate, complete, and not misleading, both at the time of submission and throughout your use of the Services. You warrant that you have full legal capacity and authority to enter into this agreement and to engage in the transactions conducted through the Services.

11.2. You warrant that all funds used in connection with the Services originate from lawful sources and that no transaction conducted through the Services will involve money derived from illegal activities, including but not limited to fraud, bribery, corruption, tax evasion, money laundering, terrorist financing, proliferation financing, or other criminal conduct.

11.3. You acknowledge that you are solely responsible for the accuracy of transaction instructions, including beneficiary details, account numbers, digital wallet addresses, and payment references. You warrant that all transactions will be executed for legitimate purposes and not to conceal beneficial ownership or the nature of the funds.

11.4. You represent and warrant that you are not subject to any sanctions, prohibitions, or restrictions imposed by Canada, any province or territory of Canada, the United Nations, or any other applicable jurisdiction or authority, and that neither you nor any party on whose behalf you act is listed on any sanctions list or other prohibited entity list.

11.5. You acknowledge that the Services may be subject to monitoring, review, and reporting obligations under Canadian law, including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, and that the Company may delay, freeze, or refuse transactions if required for compliance, regulatory, or risk management purposes.

11.6. You acknowledge that the Company is not providing investment, legal, tax, or financial advice, and that it does not act as your fiduciary, agent, or trustee. You are responsible for obtaining independent professional advice where necessary.

11.7. You warrant that you will not use the Services for speculative, fraudulent, high-risk, or prohibited activities including but not limited to unlicensed financial services, gambling in restricted jurisdictions, virtual currency mixing/tumbling services, or transactions that violate intellectual property rights.

11.8. You acknowledge that transactions may be irreversible, particularly in the case of virtual currency transfers or electronic payments, and that the Company shall not be liable for losses arising from incorrect instructions, unauthorized access, fraud, or delays caused by third parties, payment processors, correspondent banks, or blockchain networks.

11.9. You acknowledge that the Company may exercise its rights to set-off, freeze, suspend, or close accounts as described in these Terms and that such actions are necessary to comply with legal and regulatory obligations and to manage operational and reputational risk.

11.10. You represent and warrant that if you are acting on behalf of a business or organization, you have the authority to bind the organization, and that the organization is in compliance with all applicable laws, including anti-money laundering, anti-terrorist financing, and sanctions laws. You acknowledge that the organization will be responsible for all obligations and liabilities arising from its use of the Services.

11.11. You acknowledge that the Company may rely on these warranties and representations to comply with regulatory obligations, to manage risk, and to provide the Services, and that any breach of these warranties may result in suspension, account closure, reporting to regulators, or other legal remedies.

11.12. You further acknowledge that these warranties and representations are continuous and survive the termination or closure of your Account to the extent necessary to enforce compliance, investigate misconduct, or fulfill regulatory obligations.

11.13. The Client agrees that our Company will transfer Personal Data of the Client to persons directly related to the execution of the Payment Operation, such as international payment card organizations, companies processing information about payments by payment cards, the provider of Payment Services of the recipient, the operator of the payment system for execution of the Payment Operation, intermediaries of the provider of Payment Services of the Client and the recipient.

12. ACCOUNT / SERVICES FREEZE

12.1. You acknowledge that the Company is obligated to comply with applicable anti money laundering and anti terrorist financing laws and may report certain transactions or account activity to regulatory authorities without notice where required or permitted by law. The Company shall not be liable for any loss arising from compliance related actions taken in good faith.

12.2. The Company reserves the right to decline delay suspend freeze reverse or refuse any transaction that in its sole discretion presents compliance risk reputational risk operational risk or regulatory concern. The Company may require enhanced due diligence documentation including source of funds source of wealth supporting contracts invoices or business registration documents before processing transactions.

12.3. If the Company determines that your use of the Services violates these Restrictions or creates unacceptable risk exposure the Company may immediately suspend or terminate your access without prior notice subject to applicable law. Funds may be held pending investigation regulatory review court order or lawful instruction from competent authorities.

12.4. An account or transaction freeze may occur where the Company detects or reasonably suspects suspicious activity unusual transaction patterns potential fraud misrepresentation identity concerns sanctions exposure money laundering terrorist financing proliferation financing or any other financial crime risk. A freeze may also occur where required information or documentation has not been provided or where previously provided information cannot be verified.

12.5. The Company may freeze funds where required to conduct enhanced due diligence including verification of source of funds source of wealth beneficial ownership transaction purpose or counterparty identity. During a freeze period funds may be held in accordance with applicable law and will not accrue interest unless otherwise required by law.

12.6. The Company may freeze an account upon receipt of a court order garnishment order production order restraining order regulatory direction law enforcement request or any legally binding demand issued by a competent authority. In such circumstances the Company shall comply strictly with the terms of the order and shall have no liability for resulting delays restrictions or losses.

12.7. Where the Company identifies potential sanctions exposure including dealings involving designated persons restricted entities or embargoed jurisdictions it may immediately freeze the account or transaction pending further review. The Company may be legally prohibited from disclosing the specific reason for such freeze.

12.8. The Company may impose partial restrictions including transaction limits withdrawal suspensions outbound transfer blocks or access limitations while allowing limited account functionality where appropriate. The scope and duration of any restriction shall be determined based on the nature of the risk identified.

12.9. You acknowledge that the Company may be prohibited by law from providing notice of certain freezes particularly where a suspicious transaction report has been filed or where disclosure would constitute tipping off under applicable legislation. Where legally permissible the Company may provide general notice that the account has been restricted pending review.

12.10. During the period of suspension or freeze you agree to cooperate fully and promptly with any requests for documentation clarification or additional information. Failure to respond within the timeframe specified by the Company may result in extended restriction or permanent termination of the account.

12.11. The Company shall not be liable for any loss loss of profit business interruption opportunity cost market fluctuation foreign exchange movement or reputational impact arising from a freeze restriction or suspension implemented in good faith for compliance regulatory legal or risk management purposes.

12.12. A freeze may remain in effect until the Company determines that the underlying concern has been resolved to its satisfaction or until the Company receives lawful authorization to release the funds. In certain circumstances funds may be returned to the original source or remitted to a competent authority where legally required.

12.13. Repeated compliance concerns provision of false information attempts to circumvent controls or involvement in prohibited activities may result in permanent account closure in addition to or instead of a temporary freeze.

12.14. The rights set out in this section are in addition to and do not limit any other rights of suspension termination reporting or refusal of service available to the Company under these Terms or applicable law.

13. CLOSING YOUR ACCOUNT OR STOPPING YOUR USE OF OUR SERVICES

13.1. You may stop using the Account and/or close your Account at any time. This Terms continues until your Account is terminated. You may close your Account and/or end your ability to use our Services at any time by following the steps provided by us on our Website, App or via an API Partner.

13.2. If you want to close your Account, you should withdraw your funds within a reasonable time. You must withdraw your funds before your Account closes. At the time of closure, if you still have funds in your Account, you will no longer have access to them, but you can still withdraw your money by contacting Customer Support. You have the right to do this for a period of 6 years from the date your Account is closed.

13.3. Remaining funds may be subject to additional checks. After closure or deactivation of your Account, you may be subject to additional checks before is able to return the funds back to you.

13.4. When you may not close your Account or delete your profile. You must not close your Account or delete your profile to evade an investigation (either by our Company or an enforcement agency) or if you have a pending transaction or an open dispute or claim. If you attempt to do this, we may hold your money for a period that is reasonably necessary to protect our or a third party’s interest. We may prevent your account from being closed or delete your profile if you have a negative balance or if your Account is subject to a hold, limitation, or reserve.

13.5. You are responsible for your Account after closure. You agree that you will continue to be responsible for all obligations related to your Account and your use of our Services, even after it is closed, or you have stopped using our Services. For example, if you have a negative balance with our Company, you will remain responsible for paying us even after your Account is closed and/or you have deleted your profile.

13.6. You may request closure of your account at any time by submitting a written request through approved communication channels and by completing any required identity verification procedures. Account closure requests are subject to the completion of all pending transactions resolution of outstanding obligations and satisfaction of compliance requirements.

13.7. Upon account closure access to the Services will be terminated and you will no longer be permitted to initiate transactions. Any pending transactions may be cancelled declined reversed or completed at the Company’s discretion subject to applicable law and operational feasibility.

13.8. The Company may delay the release of funds where required to conduct compliance reviews fraud investigations dispute resolution regulatory reporting or where subject to legal process including court orders garnishments or regulatory restrictions. Funds may be held for a reasonable period necessary to satisfy such obligations.

13.9. The Company will retain account records and personal information for the period required under applicable laws and regulatory obligations even after closure. Record retention may continue for anti money laundering anti terrorist financing audit regulatory or legal purposes.

14. CLOSING YOUR ACCOUNT BY THE COMPANY

14.1. The Company reserves the right to suspend restrict or permanently close your account at any time with or without prior notice where permitted by law. Grounds for closure may include breach of these Terms violation of applicable law provision of false misleading or incomplete information failure to complete required verification procedures inactivity excessive risk exposure suspected fraud money laundering terrorist financing sanctions concerns regulatory direction court order or any other activity that in the Company’s sole discretion presents legal compliance operational or reputational risk.

14.2. Where account closure is initiated by the Company for compliance or regulatory reasons the Company may be prohibited from disclosing the specific basis for the decision. You acknowledge that certain reporting obligations may restrict the Company from providing detailed explanations including where suspicious transaction reporting obligations apply.

14.3. If the account is closed due to breach of these Terms unlawful conduct or elevated compliance risk the Company reserves the right to refuse future service and to block re registration under the same or related identities. The Company may also share relevant information with financial institutions regulators or law enforcement authorities where required or permitted by law.

14.4. Account closure does not relieve you of liability for obligations incurred prior to closure including indemnification obligations chargebacks reversals fees or losses resulting from unauthorized or prohibited use. Any rights remedies or protections that by their nature should survive termination shall survive account closure including compliance cooperation record retention and dispute resolution provisions.

14.5. The closure of an account shall not be interpreted as a waiver of any rights remedies or reporting obligations available to the Company under these Terms or applicable law.

15.1 UNCLAIMED FUNDS AND DORMANT ACCOUNTS

15.1. If your account remains inactive for a prolonged period as determined by the Company or if funds remain unclaimed the Company may classify the account as dormant. The Company may attempt to contact you using the most recent contact information on file.

15.2. If funds remain unclaimed after reasonable efforts to contact you the Company may remit such funds in accordance with applicable unclaimed property laws or other legal requirements. Administrative fees permitted by law may be deducted from dormant balances where applicable.

15.3. An Account or balance may be considered dormant where there has been no transaction activity, communication, or instruction from you for a period determined by the Company in accordance with applicable law, regulatory guidance, and internal risk and compliance policies. Automated or system-generated activity (such as internal adjustments or interest postings, where applicable) may not constitute Customer-initiated activity for the purposes of determining dormancy.

15.4. Before funds are treated as unclaimed, the Company will take reasonable steps to locate and notify you using the contact details on record, which may include written notices, electronic communications, or other lawful means. You are solely responsible for ensuring that your contact information remains accurate and up to date. Failure to do so may result in delays or inability to deliver notices relating to dormant or unclaimed funds.

15.5. Where funds remain unclaimed after the applicable dormancy period and reasonable contact efforts have been unsuccessful, the Company may be required to deal with such funds in accordance with applicable federal or provincial unclaimed property legislation, which may include reporting and remitting the funds to a designated governmental or statutory authority. Unclaimed property regimes in Canada are primarily administered at the provincial level, and requirements may vary depending on the Customer’s last known address, the nature of the funds, and the applicable jurisdiction.

15.6. If funds have been classified as unclaimed or transferred to a governmental or statutory authority, you may be required to submit a claim directly to that authority in accordance with its procedures. The Company may, where permitted, provide reasonable assistance or information to facilitate such claims but does not guarantee the outcome or timing of any recovery process.

16. ERROR REPORTING AND COMPLAINTS HANDLING

16.1. You must promptly review all transaction confirmations, account statements, and notifications relating to your use of the Services. If you believe that an error has occurred—including an unauthorized transaction, incorrect amount, incorrect recipient information, duplicate charge, failed transaction, or other discrepancy—you must notify the Company without undue delay and in any event within a reasonable period after becoming aware of the issue.

16.2. Failure to notify the Company promptly may limit our ability to investigate, correct, or recover funds, and may affect your rights under these Terms to obtain a correction or remedy.

16.3. When reporting an error or submitting a complaint, you must provide sufficient information to allow us to investigate, which may include: (1) your account or profile details; (2) the date, amount, currency, and reference number of the transaction; (3) the nature of the suspected error or complaint; and (4) any supporting documentation or explanation reasonably requested by the Company.

16.4. You agree to cooperate fully and in good faith with any investigation, including providing additional information or documentation upon request.

16.5. Upon receipt of a properly submitted error report or complaint, the Company will conduct a reasonable review consistent with applicable law, regulatory obligations, and internal compliance procedures. Certain investigations may require enhanced due diligence, third-party verification, or regulatory reporting, which may result in additional time to complete the review.

16.6. Where an error is confirmed and correction is legally and operationally feasible, the Company will take reasonable steps to correct the error, which may include reversing a transaction, re-crediting funds, or otherwise adjusting your account, subject to applicable laws and network or third-party constraints. You acknowledge that some transactions, once executed, may be final and irreversible.

16.7. If you believe a transaction was unauthorized or resulted from fraud, you must notify the Company immediately upon discovery. The Company may temporarily restrict your account, suspend transactions, or take other protective measures while the matter is investigated. The Company shall not be liable for losses arising from unauthorized transactions where you have failed to take reasonable steps to safeguard your credentials or where the Company has acted in good faith and in compliance with applicable legal and regulatory requirements.

16.8. The Company maintains internal procedures for the fair, timely, and objective handling of complaints. Complaints may relate to service quality, transaction processing, fees, account restrictions, or other aspects of the Services.

16.9. Complaints must be submitted through the Company’s designated support or complaints channels. The Company will acknowledge receipt of your complaint where required and will provide a response within a reasonable timeframe, taking into account the complexity of the matter and any regulatory or legal constraints.

16.10. Certain errors, disputes, or complaints may involve matters subject to anti-money laundering, counter-terrorist financing, sanctions, fraud prevention, or other regulatory obligations. In such cases, the Company may be restricted by law from disclosing specific details of its investigation or actions taken, including where disclosure would constitute unlawful “tipping off.”

16.11. Except where prohibited by applicable law, the remedies described in this section constitute your exclusive remedies for errors and complaints relating to the Services. The Company shall not be responsible for indirect, consequential, or speculative losses, including loss of profit, opportunity, or market value, arising from an error or complaint, provided the Company has acted in good faith and in compliance with applicable laws and regulations.

17. EXECUTION OF PAYMENT ORDERS AND RECORD KEEPING

17.1. All of the Payment Orders that the System receives are placed in a priority-based queue. Subsequently, Payment Orders are executed according to the queue, with execution occurring either immediately or as soon as preceding Payment Orders are completed.

17.2. Our Company is entitled to record and store any Payment Order submitted by any of the means agreed on with our Company, and to record and store information about all Payment Operations performed by the Client or according to Payment Orders of the Client. Records mentioned in the present clause may be submitted by our Company to the Client and/ or third persons, who have the right to receive such data under the basis set forth in the legislation, as evidence confirming the submission of Payment Orders and/ or executed Payment Operations.

17.3. The Company is maintaining records, containing the information and documentation necessary to decide whether the objective of the CDD measures referred to in this policy was met, and to establish the background and purpose of transactions, for at least five years after the business relationship is ended, or after the date of the occasional transaction.

18. ELECTRONIC COMMUNICATIONS CONSENT

18.1. By accessing or using the Services, creating an Account, or otherwise interacting with the Company electronically, you consent to receive all communications, disclosures, notices, agreements, statements, confirmations, records, and other information relating to your Account or the Services (collectively, “Communications”) in electronic form rather than in paper form.

18.2. Communications may be provided to you by electronic means including, without limitation, email, in-app notifications, secure messaging, website postings, dashboards, application interfaces, APIs, or other electronic delivery methods made available by the Company.

18.3. Electronic Communications may include, but are not limited to: (1) these Terms and Conditions and any amendments; (2) account agreements, disclosures, and confirmations; (3) transaction records, receipts, and statements; (4) notices relating to fees, limits, policies, or service changes; (5) regulatory or compliance-related notices; (6) error resolution or complaint responses; (7) security alerts, verification requests, and risk notifications; and (8) any other information that the Company is required or permitted to provide to you in writing.

18.4. Your consent to receive Communications electronically takes effect immediately upon your acceptance of these Terms or your continued use of the Services, whichever occurs first, and remains in effect until withdrawn in accordance with this section.

18.5. You acknowledge that in order to receive and retain electronic Communications, you must have: (1) a valid and current email address or other designated electronic contact method; (2) access to a compatible device and internet connection; and (3) the ability to access, view, download, and retain electronic records.

18.6. You are responsible for ensuring that your electronic contact information and system capabilities remain current and functional.

18.7. Electronic Communications will be made available to you for a reasonable period as determined by the Company and applicable law. You are responsible for printing, downloading, or otherwise retaining copies of electronic Communications for your own records. The Company is not responsible for your inability to access Communications due to outdated contact information, system limitations, or technical issues outside its control.

18.8. You may withdraw your consent to receive Communications electronically at any time by contacting the Company through the designated support channels. Withdrawal of consent may be subject to reasonable processing time and may result in: (1) the suspension or limitation of access to certain Services that require electronic communication; or (2) the termination of your Account where electronic delivery is integral to the provision of the Services. (3) Any withdrawal of consent will not affect the legal validity or enforceability of Communications previously provided electronically.

18.9. You agree that electronic Communications satisfy any legal requirement that such communications be provided to you in writing, and that electronic records, notices, and signatures shall have the same legal effect, validity, and enforceability as paper documents and handwritten signatures, to the extent permitted by applicable law.

19. CONTACTS

19.1 For communications, please be advised to use the following email address: support@ardentpay.io or use chat available in your personal Account.