Terms and Conditions

Last review & MLRO approval: 03 MARCH 2025

1. AGREEMENT

1.2 By using this website ("Site"), setting up a UPAY Account ("Account") or making use of any services, products, data, content or materials provided through the Site ("Services") by UPAY ("we" "us" "our") you ("you" "your" "yourself") agree to abide by the terms and conditions outlined here ("Terms of Use" or "Terms"). Make sure to read through the Terms of Use before utilizing this Site or any Services.

1.3 If you do not agree to the Terms of Use and conditions stated here you are not permitted to access or use this Site and its Services.

1.4 These Terms of Use were recently updated on March 03, 2025. We hold the right to adjust, add, or remove parts of these Terms at our discretion. You will be given notice about any changes through your Account or email. Any modifications related to services mentioned in a) and c) below will be communicated two (2) months in advance, via email. Upon notification, it is your duty to review the updated Terms. Your continued use of the Site two months after such notice implies your acceptance of the changes, and all subsequent transactions will be governed by the revised Terms.

2. ABOUT UPAY AND ITS SERVICES

UPAY offers the following core Services to its qualified users ("Members"):

2.1 Named, cross border, multi-currency accounts.

2.2 Deposits and withdrawals of currencies cross border in multiple payment rails.

2.3 Fx Currency Exchange.

3. INVESTMENT ADVICE AND SOLICITATION

UPAY do not offer investment advice of any kind regarding the Services described in these Terms of Use. We may provide data on the price, range, and volatility of various currencies and Digital Assets available on our platform, but this is not to be considered investment advice. The decision to buy, sell, deposit or withdraw any assets is solely yours as the Verified User, and UPAY will not be held liable for any losses incurred arising from the User's activity on the platform.

4. GENERAL WEBSITE TERMS AND CONDITIONS

Depending on where you live, set up your business, or have your registered office, you might not be able to access all features of the Site. It is important for you to follow the laws and rules of your location and the country from which you are using the Site. By agreeing to these Terms of Use you are given a right to use the Site that is non transferable and non sublicensable.

You understand that UPAY may not actively seek Customers from places where our services are not allowed or regulated. You confirm that (1) you are choosing to use the Site and Services on your own and (2) any transactions you make are because of your decision not because we asked you to.

All our Services come with no warranties without implied promises of quality or suitability for a purpose. We can't guarantee that our Services or the Site will always be available without interruptions. While we strive to provide Services, there's no assurance against interruptions, delays, failures, errors, omissions or data loss.

We will endeavor to ensure access to the Services and Site in line with these Terms of Use. However, we may suspend Site and Services use for maintenance and will attempt to notify you beforehand. You acknowledge that this may not be possible in emergencies and accept the associated risks of not always being able to use the Services and Site or conduct urgent transactions through your Account.

5. YOUR UPAY ACCOUNT

5.1 Opening Your Account

By opening an Account, you expressly confirm:

• Your acceptance of these terms;
• If an individual, you are at least 18 years old;
• If a legal entity or acting for one, you are duly authorized to act and bind the entity;
• You have full legal capacity to accept these Terms and engage in transactions involving currency exchange and other Digital Assets; and
• You agree that all communications, including contractual information, disclaimers, marketing, and Customer support, will be in English, and you waive any right to other languages.

6. ACCOUNT VERIFICATION

The creation and use of your Account are subject to verifications as mandated by law. You agree to provide necessary information for identity verification, compliance with know-your-Customer (KYC) rules, and detection and monitoring of financial crimes like money laundering and terrorism financing. The information may include Personal Data (refer to our Privacy Policy). By providing this information, you confirm its accuracy and agree to notify us if any part of it changes. Your Account will be blocked until we verify the information to our satisfaction with no prior notice. During this period, you cannot close your Account or request deletion of Personal Data processed or provided during your verification process.

We reserve the right to cancel or terminate Accounts with Unverified status regardless of UPAY's efforts to contact you for verification ("Unverified Accounts") or lack thereof. Unverified Accounts inactive for over 6 months may be transferred to a third-party escrow ("Unverified Escrow") and will no longer remain under our legal responsibility. The escrow administrator will make further efforts to contact each Unverified Account owner, and after sufficient time, we may convert remaining Digital Assets into and send them to a national authority for safekeeping.

Suspension or escrow of an Account does not affect the payment of commissions for past Transactions.

For more information regarding UPAY account verification and required documentation, please refer to our KYC policy.

7. FUNDING YOUR ACCOUNT

You can fund your Account by wiring currency via wire transfer (SEPA, FasterPayments or international SWIFT) from your bank account to your Account with UPAY. Our fees for such transfers are detailed in our Fee Schedule.

Funding methods may be updated from time to time and become available or delisted from certain regions or for certain Users at UPAY's sole discretion. Please see our FAQ section for currently available payment methods.

UPAY does not accept currency deposits from third-party bank accounts. The name on your linked bank account must match your verified Account name.

Your funded Account does not earn interest.

Initiating an Electronic transaction – Buy, Sell, Deposit or Withdraw to and from UPAY platform:

As an individual, you have the option to instantly complete a Purchase Transaction using your credit or debit card ("Card Purchase"), Google Pay, Apple Pay, or another authorized payment method on the platform ("Valid Payment Method"). The use of Apple Pay or Google Pay (specific to Visa or Mastercard credit or debit cards) depends on your device and location. For further details about Apple Pay, visit https://www.apple.com/apple-pay/, or for Google Pay, see https://pay.google.com/. The fees for instant Purchase Transactions are outlined in our Fee Schedule.

When you initiate a purchase with your card on our website or app, your card details are kept safe by our payment provider through a process called tokenization. This means that your sensitive information (like your card number) is swapped with a token to safeguard it from parties. You can only add a credit or debit card that belongs to you.

Our designated payment services provider may store payment details like credit or debit card numbers and their expiration dates when you make a Card Purchase. This stored information may be the default for future Card Purchases on our website or app. You can delete or update your card information at any time. If your card has expired, our payment service provider will not store its information, and you will need to provide new card details for future purchases.

You are responsible for keeping your card information current and accurate. You agree to UPAY updating this stored information periodically based on data from you, your bank, or other payment service providers. Ensure you use only payment methods for which you have authorization.

8. KEEPING YOUR ACCOUNT UP TO DATE

8.1. Ensure Your Information Remains Current

We diligently maintain the security of our Site and Service. By registering with us, you commit to supplying us with up-to-date, precise, and complete details about yourself, including, for legal entities, data on directors, key personnel, and beneficial owners, as required by our registration and verification processes. You must promptly notify us of any changes to this information.

You declare and guarantee that in opening and using an Account with UPAY, you act independently and not on behalf of or for someone else's benefit, unless you are authorized to manage an Account for a legal entity. UPAY may request proof of this authorization and perform necessary verifications.

You also promise not to access another Member's Account or help others gain unauthorized access.

8.2 Maintain Your Account's Integrity

8.2.1 You affirm and guarantee when opening and using a UPAY Account, you act independently and not for others, unless authorized by a legal entity to act as their representative in opening and using the Account.

8.2.2 UPAY may ask for proof of this authorization and perform necessary verifications. You also affirm and guarantee you won't access other Members' Accounts or help others gain unauthorized access.

8.2.3 Creating or using Accounts without our explicit prior permission will lead to immediate suspension of those Accounts and any pending transactions. Any such attempt, or aiding others in such attempts, or the distribution of tools for this purpose, will result in the termination of those Members' Accounts. Termination is not the sole remedy for such infractions, and further actions may be taken against you.

8.3 Maintain the Security of Your Online Digital Assets

8.3.1 We provide a platform through our Services where we function solely as a service provider, following your directions to manage and transfer other Digital Assets.

8.3.2 As the custodian of your other Digital Assets, we act in that capacity, holding these assets under your contract with us. This service entails our responsibility for their safekeeping, though you acknowledge and accept the risks associated with our sub-custodians and the assets they hold.

8.3.3 You agree that we may use sub-custodians to hold your Digital Assets. While we carefully choose these sub-custodians and provide their list here, we are not liable for any issues at the sub-custodian level or their failure to meet obligations, whether due to force majeure or not. You bear all associated risks. Your assets will be in omnibus accounts with these sub-custodians. Should there be a partial retrieval of assets from these accounts, you agree to proportionally share any losses based on your ownership in the account.

8.3.4 For other Digital Assets, custody involves storing and keeping the private keys confidential. We do not own or have rights in any assets held by sub-custodians on your behalf.

8.3.5 To fulfill our custodian restitution duty for these assets, it suffices for us to either transfer them to a non-associated wallet or sell them and transfer the proceeds as per your instructions. We retain discretion in how we satisfy this duty.

8.3.6 For managing the Site and delivering the Services, you appoint UPAY as your agent. This authority is perpetual but can be revoked if you close your Account. This enables us to:

• 8.3.6.1 Access and transfer Digital Assets as needed for the Site and Services;
• 8.3.6.2 Transfer these assets to wallets or other users outside the Site;
• 8.3.6.3 Act on your instructions regarding any buying, selling, or transferring of these assets between wallets, among other tasks.

8.3.7 By accepting these Terms of Use, you continuously instruct us to make the platform and the Services listed above available to you.

8.3.8 You can revoke this by closing your Account. Effective upon closure, we may reserve the right to:

• Freeze accounts
• End or suspend our relationship and/or your Account;
• Prohibit certain activities or Services;
• Set minimum trade sizes;
• Block or freeze Accounts under specific conditions;
• Implement service downtime and restrictions;
• Comply with enforcement or regulatory actions, including converting assets in your Account if needed;
• Offset any outstanding obligations you have to UPAY, potentially selling your assets to cover these.

8.3.9 For certain assets, we enable deposits and withdrawals on multiple blockchains and maintain cross-chain liquidity with third-party providers. These providers facilitate asset swaps as needed. For these assets, you authorize us to transfer your Digital Assets to and from third-party providers without specific instructions. We are not liable for any loss or limited availability of your assets while with these providers, nor for their unavailability on a particular blockchain.

9. SAFEGUARD OF YOUR CURRENCIES AND ONLINE ASSETS

9.1 UPAY may partner with payment institutions, Electronic Money Institutions or Banks to collect, create payment accounts and safeguard your deposits and balances. This ensures the safety of all currency in your Account in line with applicable laws. When you hold currency with us, it is not held directly by us but is deposited into separate accounts at one or more Banking Providers, distinct from our corporate funds, i.e into segregated Customer accounts. You always remain the beneficial owner of the currency rights we manage on your behalf with our Banking Providers, fully entitled to these rights as allowed by law.

9.2 When your currency is held with Banking Providers, it will be pooled with funds from other Members. Each of you will have a proportional entitlement to the total currency in the account(s) at the relevant Banking Providers. We use various Banking Providers based on the currency of your deposits and funds. You acknowledge that your currency may be spread across several Banking Providers, not just the one where you made your deposit. This approach aims to diversify and reduce the risk of any single Banking Provider's insolvency affecting you. You have no claim to accounts holding currencies other than those you've chosen to hold.

9.3 While we choose our banking partners with care, we cannot guarantee the safety of your currency in the event of a banking partner's insolvency. If such a situation arises, we cannot be held responsible for any losses you may experience as a result of this insolvency. You will share proportionally in any losses with other Members holding the same currency at the insolvent Banking Provider, based on our records. If a Banking Provider fails, you might be eligible for compensation from a deposit guarantee or similar scheme, depending on the circumstances, including your personal situation. Some Banking Providers may not be covered by such schemes, and your eligibility to claim may vary. Where feasible, we may assist you in pursuing such claims.

9.4 In scenarios like our insolvency or bankruptcy, the currency in your Account is not considered part of UPAY's assets. The Banking Providers recognize it as belonging to our Members, ensuring it cannot be used by us as a guarantee for our own or third parties' obligations, nor seized by our or our Members' creditors.

10. UPAY FEES

10.1 We charge fees for our services, detailed in our Fee Schedule. We reserve the right to modify these fees at any time and at UPAY's sole discretion and as dependent on any factors UPAY deems relevant. Any changes will be communicated to you in advance via your Account or email. It is your responsibility to review the updated Fee Schedule upon notification. By continuing to use the Site after we post notice of fee changes, you signify your acceptance of these changes.

10.2 We commit to charging only the fees outlined in the Fee Schedule. We will not use Digital Assets to generate revenue in any manner other than through the fees specified in the Fee Schedule.

10.3 Depending on applicable laws, regulations, and our own discretion, we may offer negotiated fee schedules, discounts, or other incentives to certain Customers that may not be available to everyone.

10.4 By using specific parts of the Services, you acknowledge that UPAY or its affiliate may be a counterparty in transactions, acting as a principal. UPAY may include a spread in the quote you receive, meaning the purchase and sell quotes may differ at any given time due to this spread. The quote might show an approximate value and not guarantee the exact amount, which will be disclosed at the quote confirmation stage.

10.5 By confirming the transaction, you accept the quote, understanding it might be a guaranteed amount or an approximation, and the final amount may vary from the initial quote. UPAY reserves the right to suspend a quote at its discretion.

11. ACCOUNT TERMINATION OR VOLUNTARY CLOSURE OF YOUR ACCOUNT WITH UPAY

11.1 You can close your Account at any time. To end this agreement with UPAY and close your Account, follow the procedure here after settling any pending transactions.

11.2 We reserve the right to close, suspend, or freeze your Account by providing notice. At our discretion, we may:

• Limit, suspend, or terminate your access to the Service, Site, and/or Account;
• Restrict access to the Site's content, services, and tools;
• Delay or remove hosted content;
• Implement technical and legal measures to prevent Members from accessing the Site if they pose potential legal issues, infringe on third-party intellectual property, or act against these Terms.

11.3 Additionally, under certain circumstances, we may suspend or terminate Accounts for reasons including, but not limited to:

• Unauthorized attempts to access the Site or another Member's account;
• Bypassing software security features;
• Engaging in illegal activities such as money laundering, illegal gambling, financing terrorism, or other criminal acts;
• Violating these Terms of Use;
• Non-payment or fraudulent payment for Transactions;
• Operational difficulties;
• Requests from law enforcement or government agencies.

11.4 Suspending or placing an Account in escrow does not affect the obligation to pay Fees for past Transactions.

11.5 If your Account is suspended or frozen and we decide to close it, we cannot proceed until our inquiries are complete, which may take weeks.

11.6 After terminating your account, unless regulatory restrictions apply, we will transfer any balances to your bank account. You must provide details of a valid bank account you own for this transfer. We may convert your other Digital Assets into currency at any time, and we are not responsible for price changes or value fluctuations that occur before or after conversion.

11.7 We may also, but are not obliged to, transfer any Digital Assets to an external wallet you own. If agreed, you must provide an external wallet address you own. We reserve the right to verify ownership of your bank account and/or external wallet address. We do not guarantee the timing of repayment or transfer completion.

11.8 We will send the credit balance of your Account, but intermediaries in international payments may deduct fees. We will try to disclose these charges before sending your payment, but if unavoidable, you are responsible for them.

11.9 Upon Account closure, amounts under 25 CAD will not be returned.

11.10 We reserve the right not to convert Digital Assets into currency and to return them to a Member-owned Wallet.

11.11 We also reserve the right to freeze Ripple accounts according to Ripple Labs policy since 15 September.

11.12 The freeze protocol allows gateways to globally freeze all issued funds or those issued to a specific user.

11.13 Frozen funds can only be returned to the issuing gateway. This feature aids in account migration, protects against compromised accounts, and helps comply with varying regulatory requirements.

11.14 Any actions we take to suspend, delay, cancel, or freeze instructions or suspend your Account do not affect your rights, title, or interest in your other Digital Assets held by third-party custodians on your behalf but may impact our ability to execute your instructions, which you acknowledge and accept.

12. TRADING CURRENCIES AND ASSOCIATED RISKS

12.1 Trading goods, products, currencies, and Digital Assets involves significant risks. Prices can fluctuate daily, impacting the value of your assets positively or negatively. Any currency, otherwise, can experience large value swings or potentially become worthless. There is an inherent risk of loss in buying, selling, or trading in any market.

12.2 Digital Assets face unique risks not shared with traditional currencies, goods, or commodities. Unlike most currencies, backed by governments or commodities like gold or silver, Digital Assets are underpinned by technology and trust without the support of a central bank to stabilize or protect their value during crises.

12.3 Digital Assets are part of an autonomous, largely unregulated global system of firms and individuals. This system depends on peer-to-peer networking and cryptography for its integrity, placing traders' trust in a digital, decentralized, and partially anonymous environment.

The market for Digital Assets can be prone to irrational or rational bubbles or confidence loss, leading to a collapse in demand versus supply. Such collapses can be due to software changes, government actions, the emergence of superior alternatives, or economic spirals. Technical issues such as compromised anonymity, lost or stolen money, or blocked transactions by hackers or governments can also erode confidence.

There may be additional risks not specified in our Terms of Use or Risk Warning Statement.

Ensure you are well-informed about the market, Digital Asset trading, and our Services to make educated decisions. Carefully assess whether your financial situation and risk tolerance align with trading Digital Assets.

12.7 UPAY's license from FINTRAC covers currency payment activities.

12.8 Digital Assets are not recognized as deposits or investments under Canadian law, so you have no recourse to the Canadian deposit guarantee or investor indemnity schemes or any equivalent in the EEA, United Kingdom.

12.9 We use Banking Providers to receive and make payments to Members. These providers do not handle services related to Digital Assets. Your currency is held in accounts at our Banking Providers along with other Members' funds. In jurisdictions recognizing Customer accounts, we inform Banking Providers that these are Customer accounts holding Members' currency. You remain the beneficial owner of these funds, fully entitled to the rights to this currency under applicable laws. We maintain detailed records of all Members' holdings. In the event of a Banking Provider's insolvency, Members' balances may be at risk, though you might be eligible for compensation depending on the circumstances and relevant laws.

13. AVOIDING FRAUD AND ONLINE RISK OF SCAMS

13.1 Risks of Fraud and Scams:

13.1.1 At UPAY, we aim to ensure the highest levels of safety for your Account and trading activities. Since trading platforms are not immune to fraudsters and scammers, we focus on educating our Customers about prevalent scams and providing advice to prevent fraud.

13.1.2 By using our Services and confirming these Terms of Use, you acknowledge and agree that:

13.1.3 UPAY is not liable for any losses or damages you incur due to illegal or fraudulent activities by third parties; you are solely responsible for your actions and how you use your Account;

UPAY's official giveaways, promotions, and referral programs are conducted exclusively through UPAY-owned channels, such as our Site OR via domain specific emails;

UPAY only communicates with you via [email protected], [email protected], or [email protected] email addresses; UPAY will never make unsolicited phone calls to you, regardless of the circumstances;

13.1.4 UPAY will never request your sensitive authentication details or demand remote access to your device, nor will we advise you to alter your security settings;

13.1.5 You should use your Account credentials exclusively by yourself and not share your login information with anyone. Ensure the email and phone number linked to your UPAY Account are operated and maintained privately by you;

13.1.6 Set up 2-factor authentication only on devices you own and control, and do not allow access to these devices to anyone else;

13.1.7 Any attempt to provide instructions or distribute software or tools related to the onboarding process, operation of the Account, or security measures, regardless of intent, may lead to the termination of both the defaulting and affected Members' Accounts at UPAY's sole discretion.

14. PROPER USE OF UPAY'S SERVICES ON WWW.UPNEXUS.NET

14.1 Wash Trading

We prohibit you from engaging in cross trades, either independently or with others, or from placing orders that would lead to a self-execution—where the same trader or group of traders acts as both the maker and taker of the trade.

If two opposing orders would lead to a crossed trade, they are subject to actions including scrutiny, cancellation, suspension, or a ban from trading on our platform. Similarly, if two orders of the same quantity would result in self-execution, they are also subject to actions ranging from scrutiny to a trading ban.

14.2 Market Manipulation

You are not allowed to engage or attempt to engage in Market Manipulation of any kind even if it does not specifically mentioned or referred to in the terms and conditions herein. This includes any actions aimed at:

• Artificially controlling or influencing the price or trading volume of any currencies listed on our platform;
• Manipulating benchmarks, which includes transmitting false or misleading inputs or any other actions that affect the calculation of a benchmark.
• Market manipulation will lead to actions such as scrutiny, order cancellation, suspension, trading bans, and full disclosure to competent authorities.
• We reserve the right to suspend, delay, or cancel any Instruction or series of Instructions by a Member or colluding Members that, if executed, would result in a price swing of 5% or more in the value of a cryptocurrency on the UPAY platform.
• You must not take any action, directly or indirectly, that could reasonably be expected to destabilize or manipulate the price of the offered asset classes on the UPAY platform.

14.3 Minimum Trade Size

The minimum trade size is outlined in our Fee Schedule.

14.4 Prohibited Activities

You agree not to use the Services for any illegal activities, including but not limited to: money laundering, illegal gambling, terrorist financing, malicious hacking, or any criminal or illegal actions.

You will only use your Account, the Site, and Services for personal use, unless you are a legal entity with a corporate account.

14.5 Limited Right of Use

Unless stated otherwise, all content on this Site, such as text, graphics, logos, icons, and images ("Materials"), is owned by UPAY and is protected by copyright, trademark, and other relevant laws. You may view, print, and/or download a copy of the Materials from this Site for your personal, informational, and non-commercial use, as long as you adhere to all copyright and proprietary notices.

The trademarks, service marks and logos displayed on this website ("Trademarks") belong to UPAY and their respective owners. The software, text, images, graphics, data, prices, trades, charts, graphs, video and audio found here are the property of UPAY. It is important not to duplicate, alter or distribute the Trademarks and Materials in any manner without permission. Any unauthorized use could lead to consequences under copyright and trademark laws.

14.6 Transaction Recovery Responsibilities

14.6.1 You bear full responsibility for any mistakes, errors, or defects in any transaction that leads to the partial or complete loss of your Digital Assets. UPAY won't be held responsible for any damages resulting from the above mentioned situations. UPAY won't be accountable for any losses, such as transfers of or Crypto assets between addresses, transactions, deposits or withdrawals caused by your mistakes or incorrect transaction details leading to the loss of your currency Assets and/or Digital Assets. UPAY will not compensate you for any losses due to these actions.

14.6.2 In specific circumstances, UPAY may offer an investigation and possible recovery of lost Digital Assets as a paid service. Upon a Member's request, UPAY will use its best efforts to try to recover misdirected Digital Assets. To request transaction recovery, send an email to [email protected]. UPAY will conduct a preliminary assessment for each transaction and reserves the right to refuse recovery for any particular transaction.

14.6.3 UPAY will charge an investigation fee for this service, which is 10% of the value of the lost Digital Assets, with a minimum fee of 100.00 CAD. The Member must pay this fee in the Digital Assets involved in the recovery. UPAY will only investigate transactions that occurred within the last thirty (30) days from the date of the recovery request. UPAY will not attempt to recover transactions valued below 100.00 CAD. Due to the specific and variable nature of these cases, UPAY does not guarantee success in these investigations and is not liable if the investigation is ineffective or unsuccessful. The exact timing for investigations is not guaranteed, but UPAY aims to provide feedback within a reasonable timeframe.

15. OTHER TERMS

15.1. Collection and Use of Your Data

For complete details on how we handle privacy, please consult our Privacy Policy: https://UPNEXUS.NET/privacy-policy/. We encourage you to read this policy thoroughly to understand the types of data we collect, our use of this data, and with whom we share your information.

15.2. Confidentiality

You agree to maintain the confidentiality of all information, materials, and documents that, by their nature, a reasonable person would consider confidential. This information should not be disclosed to anyone except your relevant employees, attorneys, accountants, business advisors, and group companies (if applicable), strictly on a need-to-know basis. Additionally, these parties must agree to maintain the confidentiality of all exchanged materials and documents at all times.

15.3. External Sites

It is clarified that UPAY is not associated currently, nor has it been associated in the past with any external websites to UPNEXUS.NET. UPAY does not endorse, cooperate or affiliated in any way with any external website except those mentioned specifically in writing within these Terms.

External websites have their own terms and policies, which we recommend reviewing.

UPAY is not liable for incidental or consequential damages related to our Site or Services unless required by law. This includes damages such as loss of profits, data, or other intangible losses, even if we were informed of the possibility of damages.

Our total liability for any claims related to your use of our services will not exceed the amount you paid us in the 12 months before the claim.

15.4. Indemnity

You agree to indemnify and hold harmless UPAY and its affiliates from any claims, damages, or expenses arising from your use of the Site or Services or your violation of these Terms.

15.5. Taxes

You are responsible for determining and fulfilling the tax obligations relevant to your transactions. UPAY does not offer tax advice or manage tax reporting for users.

15.6. Force Majeure

UPAY is not liable for delays or failures in performance resulting from acts beyond our control, including acts of God, changes in law, or regulations.

15.7. Transfer of Rights

UPAY may transfer our rights and obligations under these Terms to another entity without prior notice or consent, but we will post a notice on our site.

15.8. Complaints

If you have complaints about our services, please contact us via email at [email protected], or by postal mail at the address provided. You can also reach us by phone at the numbers listed on our website.

15.9. Governing Law and Jurisdiction

These Terms are governed by the laws of Canada, and any disputes related to these Terms will be subject to the exclusive jurisdiction of the courts of Canada.