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September 30, 2019 06:16
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| <p dir="ltr" style="line-height:1.2;text-align: center;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">PAAYS FINANCIAL TECHNOLOGIES INC.</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: center;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">TERMS OF USE</span></p> | |
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| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:9pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:italic;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Last updated: September 27, 2019</span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Please read these Terms of Use (“Terms”) before using the Paays Services (as defined below).</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> You should print a copy of these Terms for your records.</span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms are a legal agreement between you (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">you</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” or “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">your</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) and Paays Financial Technologies Inc. (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”, “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">we</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”, “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">us</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” or “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">our</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) and govern your access to and use of the Paays’ website (</span><a href="http://www.paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#0000ff;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">www.paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">) (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Website</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”), including your use of all content, services and products available at or through the Website and any other services offered by us, whether through the Website or otherwise (collectively, and together with the Website, the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Services</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” or “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Services</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”). </span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">By accessing, browsing or otherwise using the Services and/or electronically submitting an application for a Loan with a Lender referred to you by Paays, and clicking a box indicating your acceptance and submitting your information to Paays through the Paays Website when the option is made available to you, you (i) acknowledge that you have read and understand these Terms, (ii) represent and warrant that you meet all our eligibility requirements for using the Services as described in these Terms, and (iii) confirm your acceptance of and agreement to be bound by these Terms, including Paays’ privacy statement (</span><a href="http://www.paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">http://www.paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">) and any other terms applicable to the Services that are incorporated herein by reference. </span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms extend to any future updates or supplements to the Website or the Paays Services. Additional Paays Services or Platform features may be made available subject to specific terms applicable to those services or features, which will apply if such service or feature is selected by you.</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you do not agree with these Terms, or you are not a Canadian resident, you must not accept these Terms and you may not access or use the Paays Services. </span></p> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">RELATIONSHIP OF THE PARTIES</span></p> | |
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| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays makes available a proprietary online platform which allows consumers, Merchants, Lenders, and Paays to connect at the point of purchase.</span></p> | |
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| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Purchases from Merchants</span></p> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays is not engaged in the sale of any goods or services and does not extend credit. Paays does not have control of, or liability for, and is not a party to any transaction for any Product (as defined below) that you may purchase from Merchant’s affiliated with the Paays’ Platform. When you make a purchase on a Merchant site that you access through the Website or Paays Services, you are purchasing the Product from the Merchant directly. You agree that Paays shall have no liability whatsoever or howsoever caused related to your purchase of a Product from a Merchant. Please refer to the Merchant for details of any terms or conditions applying to your purchase of the Product, including any cancellation rights or refunds. If you have a dispute with a Merchant, you will need to address any concerns related to that dispute with the Merchant directly. </span></p> | |
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| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Loans from Lenders</span></p> | |
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| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays is not a Lender. When you open an account and provide Paays information and authorization, Paays will evaluate your ability to apply for a Loan through a pre-qualification process and, if you satisfy the pre-qualification criteria, and you choose to apply for a loan, Paays will refer you to a Lender. By introducing you to potential Lenders, including those with whom you may establish a borrowing relationship, Paays may be considered a “loan broker” (or its equivalent) under applicable legislation in Canada. Where required, Paays has registered as a loan broker (or its equivalent).</span></p> | |
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| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Through the Paays Platform, eligible individuals are shown loan offers from one or more Lenders. Should you agree to accept a Lender‘s loan offer, your borrowing relationship, and future communication regarding the selected loan financing and the relationship, will be solely with the individual Lender. Please refer to your loan agreement with the Lender, or its affiliates and assigns, for terms and conditions of your borrowing and repayment.</span></p> | |
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| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you have any questions or if you have any complaints, please email us at </span><a href="mailto:paayssupport@paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#0000ff;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">paayssupport@paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">.</span></p> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">DEFINITIONS</span></p> | |
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| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">For the purposes of these Terms, unless stated otherwise, the following words shall have the following meanings:</span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Card” </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">means the Paays virtual pre-paid MasterCard onto which your Loan funds will be loaded, which you will use to make your purchase.</span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Eligible Purchase”</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> means a travel purchase you make through Paays using a Card and which purchase is made within seven (7) days of the Loan approval date and by way of a web link and/or voucher code provided to you by Paays.</span></p> | |
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| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Intellectual Property Rights</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means all intellectual property rights in and to the Paays Platform and all content, materials, and publications of Paays, in whole and in part, as recognized in Canada or any other jurisdiction, in each case, whether registered or unregistered, including patents, copyright, trademarks, industrial design, goodwill, the right to sue for passing-off, the right to exclusivity in derivative rights, and the right to enforce each, as well as all applications and rights to apply for and be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future in any part.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> “Lender” </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">means each financing lender(s) selected by Paays to receive your Personal Information in order to evaluate and adjudicate your financing request, whom may, from time to time grant Loans through the Paays Platform, and “Lenders” shall mean all such Lenders taken together.</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Merchant(s)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means the merchant(s) affiliated with the Paays Platform from which you purchase the Product.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays Platform</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means the Website, any microsite of Paays within the Merchant’s website, the loan system of Paays accessed via the sales computers or other browsing computers, including tablets and mobile devices, at the Merchant’s premises, and other sales channels which allow the Merchant and Paays to communicate from time to time, including telephone.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Personal Information</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means information about you as an individual including name, address, telephone number, date of birth, Canadian Social Insurance Number (if provided), credit card details, banking information and employment history, which information may be used directly or indirectly to identify you personally.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Product</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means the product or service purchased from the Merchant using the Paays Services.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Special Financing Offers”</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> means a loan offer that you pre-qualify for and which is made to you by a Lender and is conditional upon an Eligible Purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Standard Financing Offers”</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> means a loan offer that you pre-qualify for and which is made to you by a Lender without the condition of an Eligible Purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">PAAYS SERVICES</span></p> | |
| </li> | |
| </ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -36pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 36pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays shall, with the receipt of your Personal Information from you, and subject to these Terms, provide you with the following services:</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">creation of an individual account profile (your “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Account</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) on the Platform containing your Personal Information, which Account shall allow you to access information on the Website regarding your use of the Paays Services;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">the submission of your Personal Information to third-party service providers for the purposes of confirming your identity and evaluating and adjudicating your financing request;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">for all individuals verified as eligible to receive the Paays Services, the submission of your Personal Information to one or more Lenders in order to obtain an offer of financing personal to you; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">for all individuals who then elect to proceed with a financing request, the receipt and collection of further Personal Information about you, the addition and management of this Personal Information to your Account as disclosed and specified on each page where the information is to be submitted to Paays, the disclosure and receipt of your Personal Information with third parties as authorized by you at each step in order to proceed including authentication of identity and financial particulars, the presentation of financing offers for all approved submissions, the facilitation of securing your loan documentation and delivery of your electronically signed documentation to the applicable Lender, and the advancing of the loan funds to your selected Merchant for the completion of the Product purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To be eligible for the Paays Services, you must:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Be of the age of majority in your province or territory of residence;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Be a permanent resident in Canada in one of the following provinces: Alberta, British Columbia, Manitoba or Ontario; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Additionally, in order use the Paays Services to apply for a loan from a Lender, you must be verified as an individual with a credit profile acceptable to both Paays, and least one Lender partner, each in its sole discretion.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To apply for a Loan using the Paays Services, you must, either alone or assisted by a Paays representative, use the Paays Platform to:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide Personal Information and consent to the use of such information for the purposes of conducting credit and identity checks and verifying payment arrangements;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Confirm and authenticate your bank details by logging in to Paays’ bank authentication API;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide all other information, answer all questions, click all buttons, and tick all boxes prompted on the Paays Platform.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> By submitting an application for a Loan using the Paays Services and providing your consent when the option is made available to you, you authorize Paays and its service providers, as applicable, to:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Conduct, or arrange for a credit agency to conduct, credit checks from time to time using the personal data you have provided and exchange information with credit reporting agencies;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Conduct, or arrange for another agency to conduct, identity and payment verification checks from time to time;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Assess your application for the Paays Services, including your financing request for a Special Financing Plan or a Standard Financing Plan, based on the results of the credit, identity, and payment checks; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Issue a decision to grant or deny your application for Lender financing; and </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide the results of the decision to the Merchant along with your name and contact information.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You understand that, when you apply to a Lender for a Loan using the Paays Services, the Lender is under no obligation to enter into any credit transaction of any kind with you and will rely on its own judgement to determine whether you will be approved for a Loan. The Lender will have sole and absolute discretion, in each case, to accept or reject an application for a Loan that is submitted through Paays Services. Paays has no involvement in determining whether you will be approved or the amount of credit you will be offered. You agree that Paays shall have no liability whatsoever caused by the Lender’s decision to refuse your financing request even if you pre-qualify for a Loan. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If your financing request is approved by a Lender, you will be offered a fixed interest rate instalment loan with a term to be specified in the terms and conditions of your loan agreement with that Lender (in each case, a “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Loan</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) which will be delivered before or at the time of entering into such an agreement. You acknowledge that the Loan, which will be a Special Financing Plan or a Standard Financing Plan is dependent upon your financing request and other credit factors, will be issued by the Lender and will be governed by a Loan agreement with terms and conditions that you must agree to be bound by and which you will enter into directly with the applicable Lender. You understand that Paays will not be a party to, nor have any liability under, any agreement entered into between you and the Lender. Once the Loan has been issued, you are responsible for making the payments pursuant to your Loan agreement.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you have been approved for a Special Financing Offer, as noted in your Loan agreement, your Loan is conditional upon you using the proceeds to make an Eligible Purchase. In order for Paays to confirm that you satisfy those conditions, you must ensure that your travel purchase is made through Paays using the link and/or voucher code provided to you by Paays during your purchase journey so that Paays can track your travel purchase. You must also ensure that you turn off your cookie blockers in order for Paays to track your travel purchase through that link. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">YOUR OBLIGATIONS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You agree to:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.4pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.4pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Only use the Paays Services for your own personal purposes, without any third-party beneficiary;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Treat your user name and password, and any other piece of information used as part of Paays security procedures (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Security</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Credentials</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”), as confidential, and not to disclose such information to any third parties;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Promptly notify Paays (at paayssupport@paays.com) if you know or suspect that anyone other than you knows the Security Credentials or has gained unauthorized access to your Account;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide accurate and up-to-date Personal Information and other information requested at all times when using the Paays Platform and/or the Website; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Promptly notify Paays of any changes to information in your Account.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">REFUNDS AND CANCELLATIONS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Refunds and cancellations are subject to the return and refund policies of Merchants. You must contact your Merchant directly to request refunds. Paays will only process a refund to you if directed to do so by the Merchant.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If a refund or cancellation is processed between you and the Merchant after a Special Financing Offer Loan has been issued, the Merchant will process the refund onto your Card. You acknowledge that, pursuant to the terms of your Loan agreement, immediately upon the cancellation of your Eligible Purchase before your travel date for any reason (“Early Travel Cancellation”), your Loan, which was made to you on the condition that the entire proceeds of the Loan would be used to pay for an Eligible Purchase will be immediately due and payable to the Lender. In the event of an Early Travel Cancellation, you authorize Paays to use the proceeds of the refund loaded onto your Card to immediately repay to the Lender the outstanding balance of your Loan. Any residual balance on the Card after repaying your Loan in full will be yours to use. Please contact us if you would like to have the residual balance on the Card offloaded and e-transferred to you directly. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If a refund or cancellation is processed between you and the Merchant after a Standard Financing Offer Loan has been issued, the Merchant will process the refund onto your Card. Please contact us if you would like to use the proceeds to pay down your Loan.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If a refund or cancellation is for the entirety of the borrowed amount, you may still owe finance charges depending on when the Merchant notifies us of the refund or cancellation. You agree that Paays shall be under no liability whatsoever for your Loan or any other amounts owing by you to the Lender under the Loan agreement as a result of any Early Travel Cancellation or for any other reason.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">ELECTRONIC COMMUNICATIONS </span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You agree to receive electronically all disclosures, communications, notices, and other information that Paays may send to you or be required to send to you under applicable law or otherwise (the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays Electronic Signature Consent</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) pursuant to the terms and conditions set forth below.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Your Paays Electronic Signature Consent applies to any transactions undertaken by you with us, or any of our affiliates, assigns, agents or representatives, including use of the Paays Services, any communication from us or our representatives or agents to you, including all disclosures, communication, notices, and other information required to be given to you under applicable law, any other information required by law to be provided either before or after your loan is issued, your Loan agreement, billing statements, adverse action notices, any updates to your Account, in each case, pertaining to any transaction with us or any use of the Paays Services, whether now or in the future (the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Disclosures</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”). Your consent will remain in effect from the time you initially apply for the Paays Services or access the Website until such time as your Account with Paays is terminated and, once terminated, will continue until such a time as all Disclosures relevant to your Account have been provided.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To contact you more efficiently, we may send any Disclosures to you via email to the email address that you have provided (or may provide later) to us or via text message to the mobile telephone number that you have provided (or may provide later) to us or, in each case, to an updated number or email address you provide to us from time to time. Standard charges may apply. We may also post Disclosures on the Website or within your Account. You agree that Paays is not responsible for your failure to receive any Disclosures sent via text message or email that is not caused by our failure to send the Disclosure to the mobile number or email address that you would have provided to us.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Before you decide to do business electronically with us, you should consider whether you have the required hardware and software capabilities described:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A valid working email account</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A mobile device capable of receiving text messages</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Access to a computer, operating system and telecommunication connection to the Internet capable of receiving, accessing, displaying and either printing or displaying information electronically. Your Internet browser must be one of the current and previous major releases of Chrome, Firefox, Internet Explorer, and Safari</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Adobe Acrobat or equivalent software</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">While you have an active Account with Paays, you agree to keep us informed of any changes in your email address or mobile number so that you can continue to receive all Disclosures in a timely fashion. If your registered email address, registered address, or mobile number changes, you must promptly notify us of the change by sending an email to</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> paayssupport@paays.com</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You agree and acknowledge that you can access, receive and retain all Disclosures electronically sent via email or to your mobile number, or posted on the Website or through your Account.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Your Paays Electronic Signature Consent means that any Disclosures shall have the same meaning as if provided in paper form. Any Disclosures or other communication sent to you via email or text message shall be deemed delivered once received on your device. By pressing buttons or ticking boxes entitled “Apply”, “Accept and Checkout”, “Submit”, “Confirm”, “Verify”, “I Agree” or similar buttons and boxes indicating your authorization, you are providing your electronic signature with the same effect as if your signature had been provided on paper. You waive any and all defenses you may have that the Paays Services, these Terms, the Loan agreement, the Privacy Statement (as defined below) or any Disclosures were supplied to you in electronic form or that your signature or agreement to the Paays Services or to the Loan agreement was obtained electronically.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">INTELLECTUAL PROPERTY RIGHTS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Except as otherwise expressly granted to you in these Terms, you acknowledge that, all Intellectual Property Rights relating to the Paays Platform, the Paays Services, the Website and any related services and/or materials are owned by Paays and shall remain the exclusive property of Paays and that these Terms do not give you any ownership of any Intellectual Property Rights in such property. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays grants to you a limited, non-exclusive, non-transferable, personal, non-commercial license to access and use the Website. Paays reserves all right, title and interest not expressly granted under this license to the fullest possible extent under applicable laws. Any use of the Website not specifically permitted under these Terms is strictly prohibited.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You may print and/or download materials and content from the Website, in reasonable limited copies, for your personal use only. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you are prohibited from using use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You agree not to take or permit any actions that could reasonably be deemed to infringe our (and that of any identified contributors’) intellectual property rights in the Website or Website content, nor do or permit any actions that would restrict or inhibit Paays’ ability to enforce our intellectual property rights in the Paays Website, the content published thereon, or the Paays Platform.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">DATA PROTECTION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="9" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Please refer to Paays’ privacy statement (</span><a href="http://www.paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">http://www.paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">) (the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Privacy Statement</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) for further information about how Paays collects, stores, uses, discloses and transfers your Personal Information. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="9" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">NO RELIANCE ON INFORMATION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="10" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The content on the Website and other information which is displayed or provided to you when using the Paays Services is provided for general information only. It is not intended as nor is to be construed as advice, including financial advice, on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website or other information displayed to you when using the Paays Services.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="10" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Although we make reasonable efforts to update the information on our Website and otherwise provided to you in relation to the Paays Services, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website or in documents provided to you in relation to the Paays Services are accurate, complete or up-to-date. In addition, your access to the Services may be occasionally restricted to allow for repairs or maintenance. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="10" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">NO WARRANTIES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To the maximum extent permitted by law, the Website and the Paays Services are provided “as is” and “as available”. While Paays endeavours to provide the best services it can, Paays hereby disclaims all warranties of any kind, whether express, implied or otherwise, including, without limitation, the warranties of fitness for a particular purpose and non-infringement. Paays does not warrant that the Website or the Paays Services will be complete, accurate, reliable, timely, secure, error free or that access thereto will be continuous or uninterrupted. You understand that you are using the Website and the Paays Services at your own discretion and risk.</span></p> | |
| </li> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You acknowledge and agree that your use of the Services requires Internet access and bandwidth and we do not own or control all aspects through which the Services are provided and cannot guarantee the performance of such facilities, equipment and communications lines. You also acknowledge that the Internet is not a secure network and internet transmissions are never completely private or secure. You understand that any information you transmit or receive over the Internet using the Paays Platform or the Website may be read, used or intercepted by others, even if there is a notice that a particular transmission is encrypted. We are not responsible for any invalid, erroneous or corrupted data.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">We do not warrant that the provision of the Website and the Paays Services complies with the laws of any country apart from Canada.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The provisions in this clause do not affect your statutory or mandatory rights which cannot be excluded by applicable law.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">THIRD PARTY SITES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="12" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You understand that the Website may display, include or make available content, data, information, applications or materials for third parties or that the Website may contain links to other independent third-party website, including Merchants (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Third-Party Sites</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”). Third-Party Sites are not published by nor under the control of Paays, and Paays is not responsible for and does not review or endorse and has no control over any Third-Party Site content or privacy policies (if any), which may also change from time to time. You will need to make your own independent judgement regarding your interaction with any Third-Party Sites, including the purchase and use of any products or services accessible through them. You acknowledge that we are not responsible or liable, directly or indirectly, for any damage, loss or offense caused or alleged to be caused by, or in connection with, the use of or reliance on such websites or services. Nothing in these Terms grants you any licenses to third party trademarks or content, which shall remain the property of the respective owners. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="12" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">GENERAL REPRESENTATIONS AND WARRANTIES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="13" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You represent and warrant that your use of the Website and the Paays Services will be in strict accordance with these Terms. In particular, you represent and warrant that:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will comply with these Terms at all times;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will provide us and/or the Merchant with accurate and up-to-date information (where required);</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not use the Website or the Paays Services in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with the Terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Website or the Paays Services;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not infringe our intellectual property rights or those of any third party in relation to your use of the Paays Services;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not do any of the following in relation to your use of the Paays Services:</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -42.55pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 42.55pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(i) Disclose the name, address, telephone number, e-mail address or any other personal data in respect of any individual without their consent,</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -42.55pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 42.55pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(ii) Mislead or deceive any person, or</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -42.55pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 42.55pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(iii) Impersonate any person, or misrepresent your identity or affiliation with any person;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(f)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not use the Website or the Paays Services in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(g)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not collect or harvest any information or data from any content or our systems or attempt to decipher any transmissions to or from the servers running the Paays Services.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -3.15pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 3.15pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If Paays, in its sole discretion, believes that you have engaged in any prohibited activities or otherwise do not comply with these Terms, we may close, suspend or limit your access to your Account or the Services. We may refuse to provide any or all Services to you in the future or we may take legal action against you. </span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="13" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">LIMITATION OF LIABILITY</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Nothing in these Terms limits or excludes Paays’ liability for death or personal injury caused by its negligence, fraud or fraudulent misrepresentation or any other liability than cannot be excluded under law.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To the extent permitted by law, we expressly disclaim and exclude all conditions, warranties, representations or other terms which may apply to the Website or the Paays Services, whether express or implied.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: </span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">your use of, or inability to use, the Website; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">your use of, or reliance on, any content displayed on the Website; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">rejection of your loan application by a Lender; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">any breach by the Merchant, including any failure or fault in the Product purchased from the Merchant, including a failure to deliver or delay in delivery of the Product; nor </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">any breach by Paays, including failure to make payment to the Merchant.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays shall not be liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for indirect, consequential or special loss, loss of profit, lost sales or business opportunity, loss of agreements or contracts, loss of anticipated savings and loss of or damage to goodwill arising under or in connection with these Terms.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">In addition, Paays will not be liable for any loss or damage caused by:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a) A virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any content on it, or any Website linked to it; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b) Any failure or delay in providing the Website or the Paays Services to you due to matters beyond its reasonable control.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays’ total liability to you under or in connection with these Terms shall be limited to $100.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">TERMINATION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays may terminate these Terms and suspend your use of or access to all or any part of the Website or the Paays Services immediately by contacting you at your email address on record if:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You commit a breach of these Terms, as determined by us in our discretion, or we suspect that may be the case;</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">the Lender terminates its Loan agreement with you;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">We consider termination necessary to protect the integrity or security of the systems used by us at any time or as a result of any fraud by you relating to these Terms;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You are deemed by us either as unable to pay your debts or as having no reasonable prospect of so doing; or</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You apply for bankruptcy or become subject of a bankruptcy petition or order.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">On termination of these Terms, all rights granted to you hereunder shall cease and you must immediately cease all activities authorized by these Terms, including your use of the Services.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Any provision of these Terms that expressly or by implication is intended to come into or continue in force on or after termination of these Terms shall remain in full force and effect.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Termination of these Terms shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of these Terms which existed at or before the termination date.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">ENTIRE AGREEMENT</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="16" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms, along with any privacy policy and any other applicable policies constitute the entire agreement between you and Paays, supersede and extinguish all prior and contemporaneous agreements, promises, assurances, warranties, representations understandings and communication, whether written or oral, relating to its subject matter.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="16" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Nothing in these Terms affects the liabilities, rights and obligations of you and the Merchant under the applicable terms between you and the Merchant.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="16" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">WAIVER</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="17" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If Paays fails to insist that you perform any of your obligations under these Terms, or if Paays does not enforce its rights against you, or if Paays delay in doing so, that will not mean that Paays has waived its rights against you and will not mean that you do not have to comply with those obligations. If Paays does waive a default by you, it will only do so in writing, and that will not mean that Paays will automatically waive any later default by you.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="17" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">ASSIGNMENT AND OTHER DEALINGS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="18" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You may not assign, transfer or deal in any other manner with any or all of your rights under these Terms without the prior written consent of Paays.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="18" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays may at any time assign, transfer or deal in any other manner with any or all of its rights under these Terms, provided that such dealing will not materially affect your rights under these Terms or the obligations owed to you under these Terms.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="18" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">SEVERANCE</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="19" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="19" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">AMENDMENTS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="20" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">We reserve the right to change these Terms at any time for any reason. When we make a change, we will make sure we (a) notify you by email; and (b) change the “last updated” date at the top of these Terms so you can tell if these Terms were changes since your last visit. Any such changes will be effective immediately when we post them and will apply to all access to and use of the Services by you thereafter. Please review these Terms regularly because once we post any changes, your continued use of the Services constitutes your acceptance of the revised Terms. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="20" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">THIRD PARTY RIGHTS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="21" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms is your agreement with Paays. No other person shall have any rights to enforce any of these Terms.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="21" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">GOVERNING LAW AND JURISDICTION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of the Province of Ontario and the federal laws of Canada applicable therein and you agree that the courts of the Province of Ontario shall have exclusive jurisdiction over such disputes or claims. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p> | |
| <br> | |
| </p> | |
| <script id="jsbin-source-html" type="text/html"><p dir="ltr" style="line-height:1.2;text-align: center;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">PAAYS FINANCIAL TECHNOLOGIES INC.</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: center;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">TERMS OF USE</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:9pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:italic;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Last updated: September 27, 2019</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Please read these Terms of Use (“Terms”) before using the Paays Services (as defined below).</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> You should print a copy of these Terms for your records.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms are a legal agreement between you (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">you</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” or “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">your</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) and Paays Financial Technologies Inc. (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”, “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">we</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”, “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">us</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” or “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">our</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) and govern your access to and use of the Paays’ website (</span><a href="http://www.paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#0000ff;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">www.paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">) (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Website</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”), including your use of all content, services and products available at or through the Website and any other services offered by us, whether through the Website or otherwise (collectively, and together with the Website, the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Services</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” or “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Services</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”). </span></p> | |
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| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">By accessing, browsing or otherwise using the Services and/or electronically submitting an application for a Loan with a Lender referred to you by Paays, and clicking a box indicating your acceptance and submitting your information to Paays through the Paays Website when the option is made available to you, you (i) acknowledge that you have read and understand these Terms, (ii) represent and warrant that you meet all our eligibility requirements for using the Services as described in these Terms, and (iii) confirm your acceptance of and agreement to be bound by these Terms, including Paays’ privacy statement (</span><a href="http://www.paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">http://www.paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">) and any other terms applicable to the Services that are incorporated herein by reference. </span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms extend to any future updates or supplements to the Website or the Paays Services. Additional Paays Services or Platform features may be made available subject to specific terms applicable to those services or features, which will apply if such service or feature is selected by you.</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you do not agree with these Terms, or you are not a Canadian resident, you must not accept these Terms and you may not access or use the Paays Services. </span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">RELATIONSHIP OF THE PARTIES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays makes available a proprietary online platform which allows consumers, Merchants, Lenders, and Paays to connect at the point of purchase.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Purchases from Merchants</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays is not engaged in the sale of any goods or services and does not extend credit. Paays does not have control of, or liability for, and is not a party to any transaction for any Product (as defined below) that you may purchase from Merchant’s affiliated with the Paays’ Platform. When you make a purchase on a Merchant site that you access through the Website or Paays Services, you are purchasing the Product from the Merchant directly. You agree that Paays shall have no liability whatsoever or howsoever caused related to your purchase of a Product from a Merchant. Please refer to the Merchant for details of any terms or conditions applying to your purchase of the Product, including any cancellation rights or refunds. If you have a dispute with a Merchant, you will need to address any concerns related to that dispute with the Merchant directly. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Loans from Lenders</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays is not a Lender. When you open an account and provide Paays information and authorization, Paays will evaluate your ability to apply for a Loan through a pre-qualification process and, if you satisfy the pre-qualification criteria, and you choose to apply for a loan, Paays will refer you to a Lender. By introducing you to potential Lenders, including those with whom you may establish a borrowing relationship, Paays may be considered a “loan broker” (or its equivalent) under applicable legislation in Canada. Where required, Paays has registered as a loan broker (or its equivalent).</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Through the Paays Platform, eligible individuals are shown loan offers from one or more Lenders. Should you agree to accept a Lender‘s loan offer, your borrowing relationship, and future communication regarding the selected loan financing and the relationship, will be solely with the individual Lender. Please refer to your loan agreement with the Lender, or its affiliates and assigns, for terms and conditions of your borrowing and repayment.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you have any questions or if you have any complaints, please email us at </span><a href="mailto:paayssupport@paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#0000ff;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">paayssupport@paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">DEFINITIONS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">For the purposes of these Terms, unless stated otherwise, the following words shall have the following meanings:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Card” </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">means the Paays virtual pre-paid MasterCard onto which your Loan funds will be loaded, which you will use to make your purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Eligible Purchase”</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> means a travel purchase you make through Paays using a Card and which purchase is made within seven (7) days of the Loan approval date and by way of a web link and/or voucher code provided to you by Paays.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Intellectual Property Rights</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means all intellectual property rights in and to the Paays Platform and all content, materials, and publications of Paays, in whole and in part, as recognized in Canada or any other jurisdiction, in each case, whether registered or unregistered, including patents, copyright, trademarks, industrial design, goodwill, the right to sue for passing-off, the right to exclusivity in derivative rights, and the right to enforce each, as well as all applications and rights to apply for and be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future in any part.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> “Lender” </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">means each financing lender(s) selected by Paays to receive your Personal Information in order to evaluate and adjudicate your financing request, whom may, from time to time grant Loans through the Paays Platform, and “Lenders” shall mean all such Lenders taken together.</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Merchant(s)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means the merchant(s) affiliated with the Paays Platform from which you purchase the Product.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays Platform</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means the Website, any microsite of Paays within the Merchant’s website, the loan system of Paays accessed via the sales computers or other browsing computers, including tablets and mobile devices, at the Merchant’s premises, and other sales channels which allow the Merchant and Paays to communicate from time to time, including telephone.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Personal Information</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means information about you as an individual including name, address, telephone number, date of birth, Canadian Social Insurance Number (if provided), credit card details, banking information and employment history, which information may be used directly or indirectly to identify you personally.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Product</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">” means the product or service purchased from the Merchant using the Paays Services.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Special Financing Offers”</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> means a loan offer that you pre-qualify for and which is made to you by a Lender and is conditional upon an Eligible Purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">“Standard Financing Offers”</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> means a loan offer that you pre-qualify for and which is made to you by a Lender without the condition of an Eligible Purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">PAAYS SERVICES</span></p> | |
| </li> | |
| </ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -36pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 36pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays shall, with the receipt of your Personal Information from you, and subject to these Terms, provide you with the following services:</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">creation of an individual account profile (your “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Account</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) on the Platform containing your Personal Information, which Account shall allow you to access information on the Website regarding your use of the Paays Services;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">the submission of your Personal Information to third-party service providers for the purposes of confirming your identity and evaluating and adjudicating your financing request;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">for all individuals verified as eligible to receive the Paays Services, the submission of your Personal Information to one or more Lenders in order to obtain an offer of financing personal to you; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">for all individuals who then elect to proceed with a financing request, the receipt and collection of further Personal Information about you, the addition and management of this Personal Information to your Account as disclosed and specified on each page where the information is to be submitted to Paays, the disclosure and receipt of your Personal Information with third parties as authorized by you at each step in order to proceed including authentication of identity and financial particulars, the presentation of financing offers for all approved submissions, the facilitation of securing your loan documentation and delivery of your electronically signed documentation to the applicable Lender, and the advancing of the loan funds to your selected Merchant for the completion of the Product purchase.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To be eligible for the Paays Services, you must:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Be of the age of majority in your province or territory of residence;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Be a permanent resident in Canada in one of the following provinces: Alberta, British Columbia, Manitoba or Ontario; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Additionally, in order use the Paays Services to apply for a loan from a Lender, you must be verified as an individual with a credit profile acceptable to both Paays, and least one Lender partner, each in its sole discretion.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To apply for a Loan using the Paays Services, you must, either alone or assisted by a Paays representative, use the Paays Platform to:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide Personal Information and consent to the use of such information for the purposes of conducting credit and identity checks and verifying payment arrangements;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Confirm and authenticate your bank details by logging in to Paays’ bank authentication API;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide all other information, answer all questions, click all buttons, and tick all boxes prompted on the Paays Platform.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> By submitting an application for a Loan using the Paays Services and providing your consent when the option is made available to you, you authorize Paays and its service providers, as applicable, to:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Conduct, or arrange for a credit agency to conduct, credit checks from time to time using the personal data you have provided and exchange information with credit reporting agencies;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Conduct, or arrange for another agency to conduct, identity and payment verification checks from time to time;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Assess your application for the Paays Services, including your financing request for a Special Financing Plan or a Standard Financing Plan, based on the results of the credit, identity, and payment checks; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Issue a decision to grant or deny your application for Lender financing; and </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide the results of the decision to the Merchant along with your name and contact information.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You understand that, when you apply to a Lender for a Loan using the Paays Services, the Lender is under no obligation to enter into any credit transaction of any kind with you and will rely on its own judgement to determine whether you will be approved for a Loan. The Lender will have sole and absolute discretion, in each case, to accept or reject an application for a Loan that is submitted through Paays Services. Paays has no involvement in determining whether you will be approved or the amount of credit you will be offered. You agree that Paays shall have no liability whatsoever caused by the Lender’s decision to refuse your financing request even if you pre-qualify for a Loan. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If your financing request is approved by a Lender, you will be offered a fixed interest rate instalment loan with a term to be specified in the terms and conditions of your loan agreement with that Lender (in each case, a “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Loan</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) which will be delivered before or at the time of entering into such an agreement. You acknowledge that the Loan, which will be a Special Financing Plan or a Standard Financing Plan is dependent upon your financing request and other credit factors, will be issued by the Lender and will be governed by a Loan agreement with terms and conditions that you must agree to be bound by and which you will enter into directly with the applicable Lender. You understand that Paays will not be a party to, nor have any liability under, any agreement entered into between you and the Lender. Once the Loan has been issued, you are responsible for making the payments pursuant to your Loan agreement.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If you have been approved for a Special Financing Offer, as noted in your Loan agreement, your Loan is conditional upon you using the proceeds to make an Eligible Purchase. In order for Paays to confirm that you satisfy those conditions, you must ensure that your travel purchase is made through Paays using the link and/or voucher code provided to you by Paays during your purchase journey so that Paays can track your travel purchase. You must also ensure that you turn off your cookie blockers in order for Paays to track your travel purchase through that link. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">YOUR OBLIGATIONS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You agree to:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.4pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.4pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Only use the Paays Services for your own personal purposes, without any third-party beneficiary;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Treat your user name and password, and any other piece of information used as part of Paays security procedures (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Security</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Credentials</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”), as confidential, and not to disclose such information to any third parties;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Promptly notify Paays (at paayssupport@paays.com) if you know or suspect that anyone other than you knows the Security Credentials or has gained unauthorized access to your Account;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Provide accurate and up-to-date Personal Information and other information requested at all times when using the Paays Platform and/or the Website; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Promptly notify Paays of any changes to information in your Account.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">REFUNDS AND CANCELLATIONS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Refunds and cancellations are subject to the return and refund policies of Merchants. You must contact your Merchant directly to request refunds. Paays will only process a refund to you if directed to do so by the Merchant.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If a refund or cancellation is processed between you and the Merchant after a Special Financing Offer Loan has been issued, the Merchant will process the refund onto your Card. You acknowledge that, pursuant to the terms of your Loan agreement, immediately upon the cancellation of your Eligible Purchase before your travel date for any reason (“Early Travel Cancellation”), your Loan, which was made to you on the condition that the entire proceeds of the Loan would be used to pay for an Eligible Purchase will be immediately due and payable to the Lender. In the event of an Early Travel Cancellation, you authorize Paays to use the proceeds of the refund loaded onto your Card to immediately repay to the Lender the outstanding balance of your Loan. Any residual balance on the Card after repaying your Loan in full will be yours to use. Please contact us if you would like to have the residual balance on the Card offloaded and e-transferred to you directly. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If a refund or cancellation is processed between you and the Merchant after a Standard Financing Offer Loan has been issued, the Merchant will process the refund onto your Card. Please contact us if you would like to use the proceeds to pay down your Loan.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If a refund or cancellation is for the entirety of the borrowed amount, you may still owe finance charges depending on when the Merchant notifies us of the refund or cancellation. You agree that Paays shall be under no liability whatsoever for your Loan or any other amounts owing by you to the Lender under the Loan agreement as a result of any Early Travel Cancellation or for any other reason.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">ELECTRONIC COMMUNICATIONS </span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You agree to receive electronically all disclosures, communications, notices, and other information that Paays may send to you or be required to send to you under applicable law or otherwise (the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays Electronic Signature Consent</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) pursuant to the terms and conditions set forth below.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Your Paays Electronic Signature Consent applies to any transactions undertaken by you with us, or any of our affiliates, assigns, agents or representatives, including use of the Paays Services, any communication from us or our representatives or agents to you, including all disclosures, communication, notices, and other information required to be given to you under applicable law, any other information required by law to be provided either before or after your loan is issued, your Loan agreement, billing statements, adverse action notices, any updates to your Account, in each case, pertaining to any transaction with us or any use of the Paays Services, whether now or in the future (the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Disclosures</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”). Your consent will remain in effect from the time you initially apply for the Paays Services or access the Website until such time as your Account with Paays is terminated and, once terminated, will continue until such a time as all Disclosures relevant to your Account have been provided.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To contact you more efficiently, we may send any Disclosures to you via email to the email address that you have provided (or may provide later) to us or via text message to the mobile telephone number that you have provided (or may provide later) to us or, in each case, to an updated number or email address you provide to us from time to time. Standard charges may apply. We may also post Disclosures on the Website or within your Account. You agree that Paays is not responsible for your failure to receive any Disclosures sent via text message or email that is not caused by our failure to send the Disclosure to the mobile number or email address that you would have provided to us.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Before you decide to do business electronically with us, you should consider whether you have the required hardware and software capabilities described:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A valid working email account</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A mobile device capable of receiving text messages</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Access to a computer, operating system and telecommunication connection to the Internet capable of receiving, accessing, displaying and either printing or displaying information electronically. Your Internet browser must be one of the current and previous major releases of Chrome, Firefox, Internet Explorer, and Safari</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">o</span><span style="font-size:10pt;font-family:'Courier New';color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Adobe Acrobat or equivalent software</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">While you have an active Account with Paays, you agree to keep us informed of any changes in your email address or mobile number so that you can continue to receive all Disclosures in a timely fashion. If your registered email address, registered address, or mobile number changes, you must promptly notify us of the change by sending an email to</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"> paayssupport@paays.com</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You agree and acknowledge that you can access, receive and retain all Disclosures electronically sent via email or to your mobile number, or posted on the Website or through your Account.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Your Paays Electronic Signature Consent means that any Disclosures shall have the same meaning as if provided in paper form. Any Disclosures or other communication sent to you via email or text message shall be deemed delivered once received on your device. By pressing buttons or ticking boxes entitled “Apply”, “Accept and Checkout”, “Submit”, “Confirm”, “Verify”, “I Agree” or similar buttons and boxes indicating your authorization, you are providing your electronic signature with the same effect as if your signature had been provided on paper. You waive any and all defenses you may have that the Paays Services, these Terms, the Loan agreement, the Privacy Statement (as defined below) or any Disclosures were supplied to you in electronic form or that your signature or agreement to the Paays Services or to the Loan agreement was obtained electronically.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="7" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">INTELLECTUAL PROPERTY RIGHTS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Except as otherwise expressly granted to you in these Terms, you acknowledge that, all Intellectual Property Rights relating to the Paays Platform, the Paays Services, the Website and any related services and/or materials are owned by Paays and shall remain the exclusive property of Paays and that these Terms do not give you any ownership of any Intellectual Property Rights in such property. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays grants to you a limited, non-exclusive, non-transferable, personal, non-commercial license to access and use the Website. Paays reserves all right, title and interest not expressly granted under this license to the fullest possible extent under applicable laws. Any use of the Website not specifically permitted under these Terms is strictly prohibited.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You may print and/or download materials and content from the Website, in reasonable limited copies, for your personal use only. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you are prohibited from using use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You agree not to take or permit any actions that could reasonably be deemed to infringe our (and that of any identified contributors’) intellectual property rights in the Website or Website content, nor do or permit any actions that would restrict or inhibit Paays’ ability to enforce our intellectual property rights in the Paays Website, the content published thereon, or the Paays Platform.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="8" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">DATA PROTECTION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="9" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Please refer to Paays’ privacy statement (</span><a href="http://www.paays.com" style="text-decoration:none;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">http://www.paays.com</span></a><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">) (the “</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Privacy Statement</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”) for further information about how Paays collects, stores, uses, discloses and transfers your Personal Information. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="9" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">NO RELIANCE ON INFORMATION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="10" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The content on the Website and other information which is displayed or provided to you when using the Paays Services is provided for general information only. It is not intended as nor is to be construed as advice, including financial advice, on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website or other information displayed to you when using the Paays Services.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="10" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Although we make reasonable efforts to update the information on our Website and otherwise provided to you in relation to the Paays Services, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website or in documents provided to you in relation to the Paays Services are accurate, complete or up-to-date. In addition, your access to the Services may be occasionally restricted to allow for repairs or maintenance. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="10" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">NO WARRANTIES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To the maximum extent permitted by law, the Website and the Paays Services are provided “as is” and “as available”. While Paays endeavours to provide the best services it can, Paays hereby disclaims all warranties of any kind, whether express, implied or otherwise, including, without limitation, the warranties of fitness for a particular purpose and non-infringement. Paays does not warrant that the Website or the Paays Services will be complete, accurate, reliable, timely, secure, error free or that access thereto will be continuous or uninterrupted. You understand that you are using the Website and the Paays Services at your own discretion and risk.</span></p> | |
| </li> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You acknowledge and agree that your use of the Services requires Internet access and bandwidth and we do not own or control all aspects through which the Services are provided and cannot guarantee the performance of such facilities, equipment and communications lines. You also acknowledge that the Internet is not a secure network and internet transmissions are never completely private or secure. You understand that any information you transmit or receive over the Internet using the Paays Platform or the Website may be read, used or intercepted by others, even if there is a notice that a particular transmission is encrypted. We are not responsible for any invalid, erroneous or corrupted data.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">We do not warrant that the provision of the Website and the Paays Services complies with the laws of any country apart from Canada.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">The provisions in this clause do not affect your statutory or mandatory rights which cannot be excluded by applicable law.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="11" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">THIRD PARTY SITES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="12" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You understand that the Website may display, include or make available content, data, information, applications or materials for third parties or that the Website may contain links to other independent third-party website, including Merchants (“</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Third-Party Sites</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">”). Third-Party Sites are not published by nor under the control of Paays, and Paays is not responsible for and does not review or endorse and has no control over any Third-Party Site content or privacy policies (if any), which may also change from time to time. You will need to make your own independent judgement regarding your interaction with any Third-Party Sites, including the purchase and use of any products or services accessible through them. You acknowledge that we are not responsible or liable, directly or indirectly, for any damage, loss or offense caused or alleged to be caused by, or in connection with, the use of or reliance on such websites or services. Nothing in these Terms grants you any licenses to third party trademarks or content, which shall remain the property of the respective owners. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="12" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">GENERAL REPRESENTATIONS AND WARRANTIES</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="13" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You represent and warrant that your use of the Website and the Paays Services will be in strict accordance with these Terms. In particular, you represent and warrant that:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will comply with these Terms at all times;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will provide us and/or the Merchant with accurate and up-to-date information (where required);</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not use the Website or the Paays Services in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with the Terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Website or the Paays Services;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not infringe our intellectual property rights or those of any third party in relation to your use of the Paays Services;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not do any of the following in relation to your use of the Paays Services:</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -42.55pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 42.55pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(i) Disclose the name, address, telephone number, e-mail address or any other personal data in respect of any individual without their consent,</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -42.55pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 42.55pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(ii) Mislead or deceive any person, or</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -42.55pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 42.55pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(iii) Impersonate any person, or misrepresent your identity or affiliation with any person;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(f)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not use the Website or the Paays Services in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(g)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You will not collect or harvest any information or data from any content or our systems or attempt to decipher any transmissions to or from the servers running the Paays Services.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -3.15pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 3.15pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If Paays, in its sole discretion, believes that you have engaged in any prohibited activities or otherwise do not comply with these Terms, we may close, suspend or limit your access to your Account or the Services. We may refuse to provide any or all Services to you in the future or we may take legal action against you. </span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="13" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">LIMITATION OF LIABILITY</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Nothing in these Terms limits or excludes Paays’ liability for death or personal injury caused by its negligence, fraud or fraudulent misrepresentation or any other liability than cannot be excluded under law.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To the extent permitted by law, we expressly disclaim and exclude all conditions, warranties, representations or other terms which may apply to the Website or the Paays Services, whether express or implied.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: </span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">your use of, or inability to use, the Website; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">your use of, or reliance on, any content displayed on the Website; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">rejection of your loan application by a Lender; </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">any breach by the Merchant, including any failure or fault in the Product purchased from the Merchant, including a failure to deliver or delay in delivery of the Product; nor </span></p> | |
| <p dir="ltr" style="line-height:1.2;text-indent: -28.35pt;text-align: justify;margin-top:0pt;margin-bottom:0pt;padding:0pt 0pt 0pt 28.35pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e) </span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">any breach by Paays, including failure to make payment to the Merchant.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays shall not be liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for indirect, consequential or special loss, loss of profit, lost sales or business opportunity, loss of agreements or contracts, loss of anticipated savings and loss of or damage to goodwill arising under or in connection with these Terms.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="5" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">In addition, Paays will not be liable for any loss or damage caused by:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a) A virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any content on it, or any Website linked to it; and</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b) Any failure or delay in providing the Website or the Paays Services to you due to matters beyond its reasonable control.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="6" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays’ total liability to you under or in connection with these Terms shall be limited to $100.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="14" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">TERMINATION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays may terminate these Terms and suspend your use of or access to all or any part of the Website or the Paays Services immediately by contacting you at your email address on record if:</span></p> | |
| </li> | |
| </ol></ol> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(a)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You commit a breach of these Terms, as determined by us in our discretion, or we suspect that may be the case;</span></p> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(b)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">the Lender terminates its Loan agreement with you;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(c)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">We consider termination necessary to protect the integrity or security of the systems used by us at any time or as a result of any fraud by you relating to these Terms;</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(d)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You are deemed by us either as unable to pay your debts or as having no reasonable prospect of so doing; or</span></p> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">(e)</span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><span style="white-space:pre;"> </span></span><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You apply for bankruptcy or become subject of a bankruptcy petition or order.</span></p> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">On termination of these Terms, all rights granted to you hereunder shall cease and you must immediately cease all activities authorized by these Terms, including your use of the Services.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="3" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Any provision of these Terms that expressly or by implication is intended to come into or continue in force on or after termination of these Terms shall remain in full force and effect.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="4" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Termination of these Terms shall not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of these Terms which existed at or before the termination date.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="15" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">ENTIRE AGREEMENT</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="16" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms, along with any privacy policy and any other applicable policies constitute the entire agreement between you and Paays, supersede and extinguish all prior and contemporaneous agreements, promises, assurances, warranties, representations understandings and communication, whether written or oral, relating to its subject matter.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="16" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Nothing in these Terms affects the liabilities, rights and obligations of you and the Merchant under the applicable terms between you and the Merchant.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="16" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">WAIVER</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="17" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">If Paays fails to insist that you perform any of your obligations under these Terms, or if Paays does not enforce its rights against you, or if Paays delay in doing so, that will not mean that Paays has waived its rights against you and will not mean that you do not have to comply with those obligations. If Paays does waive a default by you, it will only do so in writing, and that will not mean that Paays will automatically waive any later default by you.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="17" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">ASSIGNMENT AND OTHER DEALINGS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="18" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">You may not assign, transfer or deal in any other manner with any or all of your rights under these Terms without the prior written consent of Paays.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="18" style="margin-top:0;margin-bottom:0;"> | |
| <ol start="2" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Paays may at any time assign, transfer or deal in any other manner with any or all of its rights under these Terms, provided that such dealing will not materially affect your rights under these Terms or the obligations owed to you under these Terms.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="18" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">SEVERANCE</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="19" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="19" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">AMENDMENTS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="20" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">We reserve the right to change these Terms at any time for any reason. When we make a change, we will make sure we (a) notify you by email; and (b) change the “last updated” date at the top of these Terms so you can tell if these Terms were changes since your last visit. Any such changes will be effective immediately when we post them and will apply to all access to and use of the Services by you thereafter. Please review these Terms regularly because once we post any changes, your continued use of the Services constitutes your acceptance of the revised Terms. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="20" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">THIRD PARTY RIGHTS</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="21" style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms is your agreement with Paays. No other person shall have any rights to enforce any of these Terms.</span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol start="21" style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -18pt;"> | |
| <p dir="ltr" style="line-height:1.2;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:small-caps;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">GOVERNING LAW AND JURISDICTION</span></p> | |
| </li> | |
| </ol> | |
| <p> | |
| <br> | |
| </p> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <ol style="margin-top:0;margin-bottom:0;"> | |
| <li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;margin-left: -46.9pt;"> | |
| <p dir="ltr" style="line-height:1.2;text-align: justify;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">These Terms and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of the Province of Ontario and the federal laws of Canada applicable therein and you agree that the courts of the Province of Ontario shall have exclusive jurisdiction over such disputes or claims. </span></p> | |
| </li> | |
| </ol></ol> | |
| <p> | |
| <br> | |
| </p> | |
| <p> | |
| <br> | |
| </p> | |
| </script> | |
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