Terms of Use

Introduction

These Terms of Website Use, referred to as the Terms, govern your access to and use of the website operated by Ex Payments Ltd, including www.ex-payments.com and any related online interfaces, portals, or informational pages, collectively referred to as the Website.

Ex Payments Ltd is incorporated under the laws of British Columbia, Canada, under company number BC1517261, with its registered address at:

2709b 43rd Avenue Vernon, British Columbia V1T 3L2 Canada

Phone: +1 778 744 4578 Email: info@ex-payments.com

By accessing, browsing, or otherwise using the Website, you confirm that you have read, understood, and agree to be bound by these Terms. If you disagree, please discontinue use immediately.

These Terms apply only to access and use of the Website. They do not govern merchant accounts, payment processing services, acquiring arrangements, or other financial services, which are subject to separate contractual agreements.

You confirm that you are of legal age and capacity to enter into binding agreements and that you are not accessing the Website from a jurisdiction where such access is prohibited by law.

Other Applicable Terms

The following documents form part of these Terms:

• Privacy Policy
• Cookie Policy
• KYC Policy
• Refund Policy
• Corporate Governance Process

By using the Website, you acknowledge that you have read and agree to these related policies.

Information About Us

The Website is operated by Ex Payments Ltd.

The Website provides general information about our merchant account services, payment gateway solutions, integrations, and related financial technology infrastructure.

The Website itself does not constitute a payment platform or regulated financial interface. Any merchant services or payment processing activities are provided under separate agreements with Ex Payments Ltd and, where applicable, partner acquiring banks or financial institutions.

Merchant onboarding, risk assessment, and approval are conducted internally by Ex Payments Ltd in accordance with its compliance policies and regulatory obligations.

Ex Payments Ltd may receive, hold, and settle funds on behalf of merchants in accordance with applicable service agreements and regulatory obligations.

Changes to These Terms

We may update or amend these Terms from time to time. Updated versions will be published on this page with a revised effective date.

Your continued use of the Website after changes take effect constitutes acceptance of the updated Terms.

Information on Our Website

The content on this Website is provided for general informational purposes only. It does not constitute legal, financial, or professional advice.

While we aim to ensure accuracy, we make no guarantees regarding completeness, reliability, or timeliness of information. Content may be updated, modified, or removed without notice.

Nothing on this Website constitutes an offer or guarantee of merchant account approval, processing rates, or service availability.

Privacy

Any personal information submitted through this Website is processed in accordance with our Privacy Policy.

By using the Website, you consent to the collection and processing of information as described in that policy.

Intellectual Property

All content on this Website, including text, graphics, logos, software, design elements, and databases, is owned by or licensed to Ex Payments Ltd and protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, revocable license to access and use the Website for lawful purposes.

You may not:

• Reproduce, distribute, or modify Website content
• Use content for commercial resale
• Copy or extract data using automated tools
• Use trademarks or logos without written consent

All rights not expressly granted are reserved.

Residence and Legal Restrictions

The Website is intended only for use in jurisdictions where access is lawful.

You are responsible for ensuring compliance with local laws.

You must not access or use the Website if you are located in, incorporated in, or associated with any jurisdiction subject to sanctions imposed by Canada, the United Kingdom, the European Union, or the United States.

By using the Website, you confirm that you are not subject to such restrictions.

Limitation of Liability

The Website is provided on an as-is and as-available basis.

To the fullest extent permitted by law, Ex Payments Ltd disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee uninterrupted or error-free access to the Website.

Ex Payments Ltd shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use or inability to use the Website
• Reliance on Website content
• Technical errors or interruptions
• Viruses or malicious code

To the extent permitted by law, Ex Payments Ltd shall not be liable for losses arising from delayed settlement, chargebacks, reserve application, fraud prevention measures, regulatory holds, or actions taken in good faith to comply with legal or compliance obligations.

Any liability relating to payment processing or fund handling shall be governed exclusively by the applicable merchant agreement.

Indemnification

You agree to indemnify and hold harmless Ex Payments Ltd, its directors, officers, employees, and service providers from any claims, damages, or expenses arising from:

• Your use of the Website
• Your breach of these Terms
• Violation of applicable laws
• Infringement of third-party rights

This obligation survives termination.

Restrictions on Use

You must not:

• Attempt unauthorized access to the Website or its systems
• Introduce malicious software
• Conduct denial of service attacks
• Interfere with Website functionality
• Use automated scraping tools without permission

We reserve the right to suspend access where misuse is suspected.

Links to Third-Party Websites

The Website may contain links to third-party websites. These links are provided for convenience only.

Ex Payments Ltd does not control and is not responsible for third-party content or security practices.

Access to external websites is at your own risk.

Termination

We may suspend or terminate access to the Website at any time if you violate these Terms or applicable laws.

Upon termination, your right to use the Website ceases immediately.

Provisions relating to intellectual property, limitation of liability, indemnification, and governing law survive termination.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein.

Any dispute arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia, Canada.

Contact Information

If you have questions about our Terms of Service, please contact:

• Ex Payments Ltd
• 2709b 43rd Avenue
• Vernon, British Columbia, V1T 3L2
• Canada
• Phone: +1 778 744 4578
• Email: info@ex-payments.com