PAYVEXA INC. (“we,” “us,” or “our”) uses cookies and similar technologies to enhance your experience on our website and improve our services. This Cookie Policy explains how we use cookies, what types of cookies we use, and your choices regarding their use.

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit our website. Cookies enable us to recognize your device and store certain information about your preferences or past actions.

2. Types of Cookies We Use

We use the following types of cookies on our website:
• Essential Cookies: These cookies are necessary for the website to function properly. They allow you to navigate the site and use its features. Without these cookies, certain services or functionalities may not be available.
• Performance and Analytics Cookies: These cookies help us analyze how visitors use our website, monitor website performance, and improve our services. Information collected by these cookies is aggregated and anonymous.
• Functionality Cookies: These cookies enable the website to remember your preferences and settings (such as language or region) to provide enhanced, more personalized experiences.
• Targeting/Advertising Cookies: We may use these cookies to deliver ads relevant to you and your interests, as well as to limit how often you see a particular ad.

3. How We Use Cookies

PAYVEXA INC. uses cookies to:
• Improve website functionality and user experience.
• Analyze traffic and usage patterns to optimize site performance.
• Remember your preferences and settings during your visit and for future visits.
• Facilitate secure transactions and ensure the website operates smoothly.

4. Third-Party Cookies

We may also allow third parties, such as analytics providers or advertisers, to set cookies on our website. These cookies are governed by the respective third parties’ privacy policies, not this policy. Common third-party services we may use include Google Analytics.

5. Your Cookie Choices

You can control and manage cookies in your browser settings. Most browsers allow you to:
• Accept or reject all cookies.
• Delete cookies already stored on your device.
• Set preferences for certain types of cookies.
Please note that disabling certain cookies may affect the functionality of our website and limit your experience.

6. Changes to This Cookie Policy

We reserve the right to update this Cookie Policy at any time to reflect changes in our practices. Any updates will be posted on this page with the “Effective Date” indicated above.

7. Contact Us

If you have any questions about our use of cookies, please contact us at:
PAYVEXA INC.
Email: info@payvexa.com
Address: 60 Charlotte Street, Saint John, NB, E2L 2H9

At PAYVEXA INC., we strive to provide high-quality services, including acquiring for Visa and Mastercard transactions and the sale of NFTs. Please read this policy carefully as it outlines the conditions under which refunds and cancellations are processed.

1. General Policy

All transactions processed through PAYVEXA INC., including but not limited to credit card acquiring and NFT sales, are final and non-refundable. By completing a transaction, you acknowledge and agree to this refund policy.

2. No Refunds for NFTs

Due to the nature of NFTs (non-fungible tokens), all sales are final. Once an NFT is purchased, it cannot be returned, refunded, or exchanged. We strongly recommend that you verify all transaction details, including the nature and value of the NFT, before finalizing your purchase.

3. Cancellation of Transactions

• Acquiring Services: You may cancel a transaction request before it is processed. Once a transaction is processed through our acquiring services, it is final and cannot be canceled or reversed. PAYVEXA INC. is not responsible for errors in transaction details provided by the user.
• NFT Sales: NFT transactions are irreversible upon completion due to the decentralized nature of blockchain technology. Cancellations are not allowed once the NFT is purchased.

4. Chargebacks and Disputes

Any attempts to initiate a chargeback or dispute without a valid reason will be contested. PAYVEXA INC. reserves the right to suspend or terminate accounts involved in fraudulent chargeback claims.

5. Exemptions

Refunds or cancellations may only be granted under exceptional circumstances where required by law or specific consumer protection regulations applicable to your jurisdiction. Such cases will be reviewed on a case-by-case basis, and any refunds granted will be at the sole discretion of PAYVEXA INC.

6. Contact Us

If you believe your situation qualifies for an exception under this policy, please contact us for further assistance:
PAYVEXA INC.
Email: info@payvexa.com
Address: 60 Charlotte Street, Saint John, NB, E2L 2H9

At PAYVEXA INC. (“we,” “us,” or “our”), safeguarding your personal information is of paramount importance. This Privacy Policy outlines our practices regarding the collection, use, disclosure, and protection of your personal data. We are committed to adhering to the highest standards of privacy protection, including compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian privacy laws.

By accessing or using our website and services, you consent to the terms of this Privacy Policy. If you do not agree with this policy, you should discontinue using our services immediately.

1. Information We Collect

We collect personal information that is necessary to provide our services effectively and to comply with legal obligations. The information we collect may include:
• Personal Identification Data: Full name, date of birth, mailing address, email address, phone number, government-issued identification numbers (e.g., driver’s license, passport).
• Financial Information: Bank account numbers, payment details, transaction history, and other financial identifiers required for conducting financial transactions.
• Technical Data: IP address, device type, browser type, and other technical information collected automatically for website analytics and security purposes.
• Compliance Information: Details required for identity verification and compliance with anti-money laundering (AML) laws, including Know Your Customer (KYC) protocols.

2. Purpose of Collection and Use of Information

We collect and use your personal information solely for the following legitimate business purposes:
• Service Delivery: To facilitate the processing of transactions, payments, and provide our core services.
• Identity Verification: To verify your identity as required by applicable laws, including compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).
• Regulatory Compliance: To meet our legal and regulatory obligations under Canadian law and international standards.
• Communication: To contact you about your account, transactions, and to provide you with information regarding updates to our services.
• Risk Management: To detect, prevent, and address fraud, unauthorized activities, and security breaches.
• Analytics: To analyze website traffic, usage patterns, and trends in order to improve our website and service offerings.

3. Disclosure of Personal Information

We will not sell, lease, or rent your personal information to third parties. However, we may disclose your personal information in the following circumstances:
• Service Providers: We may engage trusted third-party service providers to assist in providing our services (e.g., payment processors, cloud storage, IT support). These third parties are bound by confidentiality obligations and may only use your data for the purposes specified by us.
• Legal Compliance: We may disclose personal information to law enforcement, regulatory bodies, or other government agencies if we believe such disclosure is necessary to comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
• Business Transactions: In the event of a merger, acquisition, financing, or asset sale involving PAYVEXA INC., your personal information may be transferred as part of that transaction, subject to the terms of this Privacy Policy.
• Protecting Rights: We may disclose your personal information where necessary to protect the rights, property, or safety of PAYVEXA INC., our customers, or others.

4. International Data Transfers

While we are based in Canada, we may process your personal information in jurisdictions outside of Canada that may not provide the same level of data protection as Canadian law. In such cases, we take all necessary steps to ensure your information is afforded the same level of protection as required under PIPEDA and applicable Canadian laws.

5. Data Retention

We retain your personal information only as long as it is necessary to fulfill the purposes outlined in this Privacy Policy or as required by law, including compliance with record-keeping obligations under financial regulations. When personal information is no longer necessary, we will securely destroy, erase, or anonymize it in accordance with best industry practices.

6. Security of Your Information

We employ stringent security measures, both physical and digital, to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include, but are not limited to, encryption technologies, secure storage, and restricted access to data.
Despite our best efforts, no system is entirely secure. As such, we cannot guarantee the absolute security of your information. However, we continually assess and improve our security protocols to mitigate risks.

7. Your Legal Rights

You have certain rights concerning your personal information under Canadian privacy laws. These include the right to:
• Access Your Information: You have the right to request a copy of the personal information we hold about you.
• Correction: You may request correction of inaccurate or incomplete personal information.
• Withdraw Consent: You may withdraw your consent to our use of your information, subject to legal and contractual limitations.
• Erasure: In certain circumstances, you may request the deletion of your personal data.
• Lodge Complaints: If you believe that we have violated your privacy rights, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada (OPC).
Requests to exercise these rights can be made by contacting us using the information provided below.

8. Third-Party Links

Our website may include links to third-party websites. PAYVEXA INC. is not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any linked websites before providing any personal information.

9. Changes to This Privacy Policy

PAYVEXA INC. reserves the right to modify or update this Privacy Policy at any time to reflect changes in our practices, legal obligations, or operational requirements. Any updates will be posted on this page with the “Effective Date” updated accordingly. Continued use of our services after any changes constitutes your acceptance of the revised Privacy Policy.

10. Contact Information

If you have any questions, concerns, or requests related to this Privacy Policy or our handling of your personal information, please contact us:

Email: info@payvexa.com
Address: 60 Charlotte Street, Saint John, NB, E2L 2H9

Welcome to PAYVEXA INC. (“PAYVEXA,” “we,” “us,” or “our”). By accessing or using our services, website, or any associated products (collectively, the “Services”), you agree to comply with and be bound by the following Terms of Service. Please read these terms carefully before using our Services.
If you do not agree with these terms, you must discontinue use of our Services immediately.

1. Acceptance of Terms

By using our Services, you confirm that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms of Service apply to all users of our Services, including visitors, clients, and third parties who access or use the Services.

2. Eligibility

To use our Services, you must:
• Be at least 18 years of age or the legal age of majority in your jurisdiction.
• Have the legal capacity to enter into a binding contract under applicable law.
• Not be prohibited from using the Services under applicable laws, including financial and anti-money laundering regulations.

By using our Services, you represent and warrant that you meet these eligibility requirements.

3. Services Provided

PAYVEXA INC. is a registered Money Services Business (MSB) providing financial transaction and payment services. Our Services include, but are not limited to, the facilitation of money transfers, currency exchange, and related financial services. Specific details of our Services are available on our website.
We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Services.

4. User Responsibilities

As a user of our Services, you agree to:
• Use our Services only for lawful purposes and in compliance with all applicable laws and regulations, including anti-money laundering (AML) and counter-terrorism financing (CTF) laws.
• Provide accurate, current, and complete information during registration and when using our Services.
• Maintain the confidentiality of any account credentials, including passwords, and notify us immediately if you suspect any unauthorized use of your account.
• Not engage in any activity that could disrupt or interfere with the proper operation of our Services, including hacking, data breaches, or denial-of-service attacks.

5. Prohibited Activities

You agree not to use our Services for:
• Engaging in fraudulent, unlawful, or unauthorized activities.
• Breaching or attempting to breach our security measures.
• Transmitting any viruses, malware, or other harmful software.
• Engaging in any activity that violates the intellectual property or privacy rights of others.
PAYVEXA reserves the right to suspend or terminate your access to the Services if you engage in any prohibited activities or violate these Terms of Service.

6. Fees and Payments

By using our Services, you agree to pay any applicable fees associated with the transactions and services you request. All fees and charges are clearly stated on our website or in communication related to the specific services.
PAYVEXA reserves the right to change fees at any time, and any changes will be effective upon posting the updated fees on our website.

7. Limitation of Liability

To the fullest extent permitted by law, PAYVEXA INC., its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Services, including any loss of profit, data, or goodwill.
We do not guarantee that our Services will be uninterrupted, error-free, or secure. PAYVEXA will not be liable for any delay, interruption, or failure in performance due to circumstances beyond our control, including but not limited to acts of God, internet failures, or government restrictions.

8. Indemnification

You agree to indemnify, defend, and hold harmless PAYVEXA INC., its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from or related to:
• Your use of the Services.
• Your violation of these Terms of Service.
• Any breach of applicable laws or regulations.

9. Termination

PAYVEXA reserves the right, at our sole discretion, to suspend or terminate your access to the Services without notice, if we believe you have violated these Terms of Service or any applicable laws.
Upon termination, your right to use the Services will immediately cease, and PAYVEXA may retain any records or information necessary to comply with legal obligations or as otherwise required by law.

10. Intellectual Property

All content, trademarks, logos, and intellectual property displayed on our website or provided through our Services are the exclusive property of PAYVEXA INC. or its licensors. You are granted a limited, non-transferable, revocable license to access and use the Services solely for personal or internal business use.

You may not copy, reproduce, distribute, modify, create derivative works, or exploit our intellectual property without our express written permission.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Province of New Brunswick, Canada, without regard to its conflict of laws provisions. Any disputes arising from or related to the Services shall be subject to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada.

12. Amendments to the Terms of Service

PAYVEXA reserves the right to modify or update these Terms of Service at any time. Any changes will be effective immediately upon posting on our website. Continued use of our Services after any such changes constitutes your acceptance of the revised Terms of Service.
We encourage you to review these Terms periodically to stay informed of any updates.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:
PAYVEXA INC.
Email: info@payvexa.com
Address: 60 Charlotte Street, Saint John, NB, E2L 2H9