TERMS OF USE

Last Updated: 01/04/2025

These Terms of Use (hereinafter, the "Terms") of the website located at www.payfio.com (hereinafter, the "Website") constitute a legally binding agreement between the user and Payfio Gateway Limited, located at 80 Birmingham Street, Unit C6, Etobicoke, Ontario, M8V3W6, Canada (hereinafter, the "Operator" or "we").

By using the Website, you confirm that you have fully read and understood these Terms and unconditionally accept all provisions of the Terms.

If you disagree with any of the provisions of this document, you must immediately cease using the Website.

We reserve the right to unilaterally amend these Terms at any time. Such changes and amendments shall come into force upon publication of the new version of the Terms on the Website.

Continued use of the Website after any changes to these Terms constitutes your unconditional acceptance of the new version of the Terms.

1. Terms of Use of the Website

1.1. To use the Website, the user must familiarize themselves with all Terms.

1.2. Use of the Website is free of charge. The Website is provided "as is."

1.3. While using the Website, the User agrees not to perform the following actions: (The list of prohibited actions would follow here in the original document, but is not included in what you provided.)

a) Do not post or distribute illegal, harmful, or offensive content. This includes material that is defamatory, promotes violence or cruelty, infringes on intellectual property rights, promotes hatred or discrimination, is pornographic or depicts child exploitation, advertises sexual services, explains how to make or use illegal substances or weapons, or insults individuals or organizations.

b) Do not violate or harm the rights of others, especially minors.

c) Do not impersonate anyone without proper authorization, including Titanium employees, moderators, or the site owner. Do not mislead users or Titanium about anything.

d) Do not post or distribute content unless you have the legal right or contractual permission to do so.

e) Do not post or distribute malicious code, viruses, or anything designed to damage computers or networks. This also includes unauthorized access tools (like serial numbers, logins, passwords) or links to such materials.

f) Do not collect or store the personal data of others without authorization.

g) Do not disrupt the website's operation.

h) Do not assist in violating the terms of the agreement.

i) Do not reproduce, sell, or commercially use any part of the website without explicit permission from Titanium or as permitted by the user agreement.

j) Do not violate any laws, including international law.

1.4. The user agrees to provide accurate information for using the Website. If the provided information changes, the user must promptly notify the Operator.

2. Third-Party Websites.

We are not responsible for any external websites linked from our site. Use them at your own risk; review their terms of service.

3. Website Content and Intellectual Property.

All Website content (text, images, videos, etc.) is owned by Operator and protected by copyright. You may only use the website's features as intended. Any other use requires Operator 's prior permission. This includes copying, distributing, or modifying the content. Personal, non-commercial use is permitted only if all copyright and author information remains intact and unchanged, unless otherwise allowed by law.

4. Suspension of Website Access

4.1. The Operator reserves the right to temporarily suspend access to the Website without prior notice to the User if the Operator has reasonable suspicion that the Website is being used for suspicious or illegal activities. Such activities include, but are not limited to, money laundering, terrorist financing, fraud, sanctions evasion, violations of personal data protection legislation, or other actions that violate applicable legal norms.

5. Limitation of Liability

5.1. The Operator is not liable for any delays, failures, or limitations in the Website's operation caused by technical malfunctions, including, but not limited to, server failures, equipment malfunctions, software failures, network systems, or other infrastructure components. The Operator is also not liable for disruptions in the Website's operation caused by force majeure circumstances, such as natural disasters, military actions, acts of terrorism, mass unrest, acts of government authorities, epidemics or pandemics, power outages, and any other circumstances beyond the Operator's reasonable control.

5.2. The Operator is not liable for any losses, damages, lost profits, or other negative consequences incurred by the User as a result of their violation of these Terms. The User assumes all risks associated with using the Website in violation of these Terms, applicable legislation, or instructions posted on the Website.

5.3. The Operator is not liable for the actions or inaction of third parties involved in the Website's operation, including banks, payment systems, telecommunications providers, software and equipment suppliers, and any other parties upon which the Website's operation may depend.

6. Confidentiality and data protection

6.1. The User agrees to the processing of their personal data by the Operator within the framework of using the Website in accordance with the terms of the Personal Data Processing Policy.

6.2. The Operator undertakes to ensure the confidentiality of user data in accordance with the Personal Data Processing Policy and applicable personal data protection legislation.

6.3. The User confirms their awareness of and consent to the fact that all operations using Virtual Assets are recorded in a distributed ledger system, which may include the disclosure of data within the framework of legal requirements.

7. Other Provisions

7.1. If any provision of these Terms is found to be invalid, illegal, or unenforceable in accordance with the law, the remaining provisions of the Terms shall remain in full force and effect as if the invalid provision had not been included in the Terms.

7.2. The full version of the Terms is published on the Website.

7.3. To resolve issues related to the Website's operation, users can contact the Operator through the Website interface or by sending an email to: legal@payfio.com.

7.4. The Operator reserves the right to amend these Terms at any time. Changes shall come into force from the moment of their publication on the Website, unless otherwise indicated by the Operator. Continued use of the Website by the User after the publication of the updated Terms signifies agreement with the changes made.