Terms of Use

MoneyXPat Finance Solution Ltd - Payment Processing Platform

Effective Date: March 2, 2026 Last Updated: March 2, 2026

1. Introduction and Acceptance

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and MoneyXPat Finance Solution Ltd, a company incorporated under the laws of the Province of British Columbia, Canada, with its registered office at 112-970 Burrard Street, Office #1678, Vancouver, BC V6Z 2R4, Canada ("MoneyXPat", "Company", "we", "us", or "our").

MoneyXPat operates a payment processing and aggregation platform (the "Platform" or "Service") that facilitates and redirects payment transactions between users, merchants, and third-party payment service providers. The Platform is offered on a pay-per-use basis.

MoneyXPat is a licensed Money Services Business (MSB) registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) and operates in compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its associated regulations.

MoneyXPat may provide certain services in conjunction with its affiliated entities: (a) MoneyXPat Tech Pty Ltd (ABN 36 644 983 595), located at Level 5, 7 Eden Park Dr, Macquarie Park, NSW 2113, Australia ("Australian Entity"); and (b) MoneyXPat Tech Inc., located at 5900 Balcones Drive STE 100, Austin, TX 78731, USA ("US Entity"). Services in Asia and Australia are provided by the Australian Entity. Services in the United States are provided by the US Entity. All other services are provided by MoneyXPat Finance Solution Ltd (Canada). References to "MoneyXPat" include the affiliated entities where applicable.

By accessing, browsing, or using the Platform, including by registering an account, accessing our APIs, or initiating any transaction through the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy.

2. Definitions

- Account means the account created by a User to access and use the Platform.

- API means the application programming interface provided by the Platform.

- Applicable Law means all laws, regulations, rules, orders, and directives applicable to the Service.

- Fees means the charges payable by the User for use of the Service.

- Payment Provider means any third-party payment service provider, gateway, acquirer, or financial institution through which the Platform facilitates transactions.

- Platform / Service means the payment processing and aggregation platform operated by the Company.

- Transaction means any payment, transfer, or financial operation facilitated or redirected through the Platform.

- User means any individual or entity that accesses or uses the Platform.

- User Content means any data, information, or materials submitted by a User through the Platform.

3. Eligibility and Registration

3.1 Eligibility Requirements

To use the Platform, you must:

- be at least 18 years of age or the age of legal majority in your jurisdiction;

- have the legal capacity and authority to enter into these Terms;

- not be a person or entity barred from using the Service under any Applicable Law, including sanctions laws;

- provide accurate, current, and complete registration information.

3.2 Account Registration

To access certain features, you must create an Account. You agree to provide truthful information, keep Account information up to date, maintain confidentiality of credentials (including API keys), and accept responsibility for activity under your Account.

3.3 KYC and AML

The Company complies with applicable AML/CTF laws in Canada, Australia, and the United States. You may be required to provide identity, business, beneficial ownership, and source-of-funds documents. Failure to comply may result in delay, suspension, or termination of your Account and required reporting to FINTRAC, AUSTRAC, FinCEN, or other authorities.

4. Description of Service

4.1 Payment Facilitation

The Platform facilitates and redirects payments between Users and third-party Payment Providers. MoneyXPat does not hold or custody User funds beyond what is strictly necessary for processing or routing.

4.2 No Custodial Services

MoneyXPat acts primarily as a technical intermediary and does not guarantee completion, settlement, or timing of any Transaction.

4.3 Third-Party Payment Providers

Transactions are subject to each Payment Provider's terms. The Company is not responsible for acts, omissions, or failures of Payment Providers.

4.4 API Access

API access is subject to documentation, rate limits, usage restrictions, and technical requirements specified by the Company.

5. Acceptable Use Policy

You may use the Platform only for lawful purposes and in accordance with Applicable Law. Prohibited uses include illegal activity, sanctions evasion, fraud, money laundering, unauthorized access, reverse engineering, and unapproved resale of access.

6. Regulatory Compliance

MoneyXPat maintains compliance programs for FINTRAC (Canada), AUSTRAC (Australia), and FinCEN (United States), including sanctions screening, suspicious transaction reporting, and record retention obligations.

7. User Obligations

You are responsible for lawful use, required licenses and approvals, data accuracy, account/API security, timely incident notification, integration compliance, and maintaining records required by law.

8. Fees and Payment

The Platform uses a pay-per-use model. Fees may vary by method, provider, type, currency, and volume. Fee changes may be made with reasonable notice. Taxes, chargebacks, disputes, and unpaid balances are your responsibility as outlined by the Company.

9. Intellectual Property

All Platform IP remains the exclusive property of MoneyXPat or its licensors. You receive a limited, non-exclusive, non-transferable, revocable license to use the Platform in accordance with these Terms.

10. Data Protection and Privacy

Use of the Platform is subject to the Privacy Policy. MoneyXPat processes personal data in accordance with applicable laws, including PIPEDA, the Australian Privacy Act, and where applicable GDPR/PIPL.

11. Disclaimers and Limitation of Liability

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIABILITY IS LIMITED AS SET OUT IN THESE TERMS.

12. Indemnification

You agree to indemnify and hold harmless MoneyXPat and its affiliates against claims arising from your use of the Platform, legal violations, third-party disputes, or misconduct.

13. Term and Termination

These Terms remain effective until terminated. You may terminate your Account at any time. MoneyXPat may suspend or terminate access where permitted by these Terms or required by law.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of British Columbia and applicable federal laws of Canada. Disputes are first negotiated in good faith, then resolved by arbitration in Vancouver, British Columbia, Canada.

15. General Provisions

These Terms may be modified with notice. If a provision is invalid, remaining provisions remain in effect. Additional clauses include assignment, waiver, force majeure, notices, and language.

16. Contact Information

- Company: MoneyXPat Finance Solution Ltd

- Address: 112-970 Burrard Street, Office #1678, Vancouver, BC V6Z 2R4, Canada

- Email: support@MoneyXPat.com

- Website: www.MoneyXPat.com

- Full document requests: legal@MoneyXPat.io