Last updated: May 27, 2024
These Terms and Conditions (“ Terms ”) govern your use of the 2PAYAPP LIMITED services. It describes the terms by which you will be bound when you use the services accessible at https://2payapp.com By accessing or using the Services via website or App, you agree to be bound by these Terms and agree that you will comply with all applicable laws. Subject to applicable laws, these Terms are subject to change. Any changes will be posted on this page from time to time. If you do not agree to the Terms, you may not access or use the Services.
As used throughout this Terms, the terms "2PAYAPP" , "we" , "us" , and "our" refer to 2PAYAPP LIMITED, a British Columbia company, 7404 King George Blvd., Suite 200, Surrey, BC, Canada V3W1N6, together with its employees, directors, successors, and assignees. The “ Client” "you" and "your" refer to users (Clients) of the Service.
PLEASE READ THIS ENTIRE AGREEMENT CAREFULLY, AS IT FORMS PART OF A LEGALLY BINDING AGREEMENT BETWEEN YOU AND 2PAYAPP. To that end and in consideration of the recitals and the respective promises of the parties contained herein, the receipt and sufficiency of which the Parties hereby acknowledge, the Parties agrees as follows:
1.1. 2PAYAPP provides payment software and risk management solutions for global e-commerce, to support transactions and other forms of local payment methods, as well as related value-added services (the “2PAYAPP Services” or “Services”). The purpose of this Agreement is to establish terms and conditions applicable to the Client’s use of the 2PAYAPP Services.
2.1.We may use third-party service providers to provide the Services to you. You acknowledge and agree to any third-party service provider terms that may be presented to you during your use of the Services, such as but not limited to:
By entering this Terms, you agree to the terms of use of Quppy App processing partner Quppy Europe OU, Estonian company, and it can be found here: https://support.quppy.com/hc/en-us/articles/360023810091-Terms-of-Use
By entering this Terms, you agree to the terms of use of our crypto exchange and wallet provider partner Digital Lamp sp. z.o.o., and can be found here: https://digitallamp.pl/#terms-of-use
3.1. Age and Capacity. You must be at least eighteen (18) years old and have the capacity to enter into a legally binding agreement under applicable law in order to access or use the Service as a Client. You must use the Service in your individual capacity and not on behalf of a business or legal entity. Other restrictions may apply.
3.2. Others. You may not submit or receive a transaction on behalf of any other person.
3.3.Residence within Canada. The Service is not currently available to residents of certain provinces of Canada. Please check our website frequently to see whether your province of residence has been added to the list of eligible jurisdictions.
3.4. Offer and Acceptance. If you submit a transfer, you are requesting that we process your transaction, an offer that we may accept or reject at our sole discretion.
3.5.Multiple Accounts. Clients may only have one active multicurrency account. If we determine that a Client is using multiple accounts we reserve the right to merge or terminate one or more of the accounts, limit the Client's use of the Service, or refuse their continued use of the Service.
4.1.Charges. With each Transaction you submit you are agreeing to pay us a service fee ("Service Fee"), in addition to the Transaction Amount. Payment in relevant currency is due at the time the transaction is submitted for processing.
4.2.Payment. In order for us to process your transaction you authorize us to charge any of the payment instruments included in your payment profile ("Payment Instrument" includes but not limited to any credit card, debit card). If your payment fails you authorize us to re-try one or more times using the same Payment Instrument. You warrant that you are an authorized and lawful user of the Payment Instrument(s).
4.3. PAYAPP Account. As part of your registration for the Services, we will provide you access to a user account to use the Services such as v-IBAN or IBAN (“2PAYAPP Account” or “Account”) via a mobile application ( the “App” or “Quppy App”). You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.
4.4. It is your responsibility to ensure that:
- access to your 2PAYAPP Account is kept safe and secure;
-any security credentials used to access your 2PAYAPP Account and authenticate Transactions are known only by you;
- the Services and your 2PAYAPP Account can only be accessed by you; and
- all devices used by you to access the Services are appropriately protected from access by any unauthorized persons.
4.5. Revealing security credentials to anyone, or behaving carelessly with regards to the security your 2PAYAPP Account may result in unauthorized transactions being processed using your 2PAYAPP Account. In these circumstances we will not refund any amounts lost by you as a result of such unauthorized transactions and you will be solely responsible for them.
4.1. The Client shall, for the term of the Agreement, provide 2PAYAPP with complete and correct information referring to: (1) any interaction between Client and 2PAYAPP that results in a unique transaction ID generated in 2PAYAPP ltd’s systems (each, a “Transaction”) (including, but not limited to, payment information and information in respect to any payment that is for any reason rejected, reversed, refused, charged back, disputed or withdrawn by a bank, or a payer and/or Client (each a, “Reversed Payment”); (2) any payment that is for any reason partially or totally reversed by the Client to the payer (each a “Refunded Payment”); and (3) to its business model and any and all other information relevant to the relationship between the Parties.
4.2. Client is not allowed to resell the 2PAYAPP services if not otherwise agreed between the Parties in writing.
4.3. Client shall immediately inform 2PAYAPP if there is any reason to believe that any information has been incorrectly processed or sent to 2PAYAPP via support\help service.
4.4. The Client shall use best efforts to prevent itself from being involved to any extent in any actions of money laundering or any other illegal activities.
4.5. All data provided by Client shall comply with the instructions set forth by 2PAYAPP from time to time in writing or verbally. Such instructions may be amended from time to time in 2PAYAPP sole discretion.
4.6. Client represents, warrants, and covenants that it shall during the term of using Services have all necessary rights, authorizations, licenses, and permits for its operations, and shall have undertaken and fulfilled all actions and conditions to comply with its Terms.
4.7. Client represents, warrants, and covenants that it shall comply with all applicable laws, rules and regulations, including and statutory regulations or guidelines by banks, card associations, or any other legal or regulatory authority in relation to payments (“Schemes”) as applicable and including, but not limited to, consumer privacy, data security, and any other protection laws. In the event Client cannot comply with or learns that it has not complied with such laws, Client shall immediately notify 2PAYAPP.
4.8. Client agrees that any communication received from Client, or in Client’s name, or from Client’s premises or equipment, is authorized by Client and binding on Client. Client authorizes 2PAYAPP to rely on and act on any such communication.
4.9. Client shall use best efforts to prevent unauthorized use of, or unauthorized access to the 2PAYAPP Services and shall be solely responsible to 2PAYAPP for any losses, breaches, or other damages that result from any unauthorized use of, or unauthorized access to, the 2PAYAPP Services.
5.1. In order to comply with anti-money laundering laws and regulations, we are required by law to carry out certain checks on all our Clients before we can provide you Services.
5.2. We may ask you to provide us with certain information and documentation to enable us to carry out our checks, including verifying your identity.
5.3.You may be required to provide additional information or documentation to verify your identity and the purpose of the Transaction.
5.4. All information provided by you must be complete and accurate. Failure to comply with our requests for information or documentation may result in the refusal of application for the Services or suspension or termination of the Services
5.5. It is very important to keep us updated about any changes to the information provided as part of your application for the Services and any information and documentation submitted to us. It includes information about any sanctions applicable to you, or any other circumstances which would make your use of the Services illegal. You must inform us promptly about any changes to your circumstances affecting your eligibility for the Services and/or your ability to comply with these Terms.
5.6. You must provide us with your contact details during registration for the Services and ensure that your contact details on your 2PAYAPP Account profile remain accurate and up to date. We will use those contact details to contact you wherever required under this Terms or in connection with the Service, including if we suspect or become aware that there has been fraudulent activity on, or a security threat to, your Account.
6.1. Initiating a Transaction. To initiate a Transaction, you shall provide instructions to us to send funds to a beneficiary that, at the minimum, include:
6.2. You are responsible for verifying the accuracy of the beneficiary information. We may still rely exclusively on the bank account number you provide for the beneficiary. We have no duty to detect any inconsistency between the bank account number and the name.
6.3. Screening Transactions. We may screen all Transactions in accordance with applicable laws and our internal policies. We are not required to complete a transaction if the instructions you submit:
- contains, incomplete, incorrect, or outdated information;
- seek to send funds to any beneficiary located outside of the countries where 2PAYAPP can provide the services; or
- seek to transact in breach of any provision of these terms, including the acceptable use provisions or restricted business categories
6.4. Funding a Transaction. We may permit you to fund your transaction using any available legal method supported by 2APYAPP
6.5. Canceling a ‘Transaction. You may request to cancel a Transaction by contacting via our support service, which may lead to additional fees and will take time.
6.6. We shall use reasonable efforts to stop or cancel the Transaction upon your request but does not guarantee that the cancellation will be successful. You authorize us to accept and rely on your cancellation request but agree we have no obligation to check the authenticity or accuracy of any instructions received from you and shall not be liable for any losses incurred or suffered by you or any third party for complying with such requests. Prior to submitting a cancellation request to 2PAYAPP, you shall ensure that all information is complete and accurate.
6.7. Delayed, Incomplete, Cancelled, or Returned transactions. Certain situations may require us to delay processing your Transaction(s), including if we need to confirm that the Transaction has been authorized by you, or if the Transaction requires additional verification checks or due diligence reviews. We may require you to provide additional information or documentation in order to process your Transaction. You agree to comply with any request from us for additional information or documentation, and to provide such information in a format acceptable to us.
6.8. Declined Transactions. There are many reasons we may decline or prevent Transactions to or from your Account, but we generally do it to protect you or us, or to comply with legal requirements. If we consider it reasonably necessary to protect our legitimate interests, we may delay, refuse, suspend, cancel, or recall a Transaction at any time and for any reason without notice or explanation to you as permitted by applicable law.
6.9. You acknowledge and agree that we are not obliged to provide any Service or Transaction, and are entitled to suspend any Service or block or reject any Transaction, if we determine, in our sole discretion, that doing so would (a) breach any provision of these Terms; (b) breach any applicable laws or sanctions; (c) facilitate any Restricted Activity or any fraudulent activity; or (d) breach any Transaction limits.
6.10 Unsuccessful Transactions. If for any reason, a Transaction is unsuccessful or not completed (including because it is cancelled by you), we will return the funds to you using the same method through which you funded the Transaction. Any funds returned due to a recall, cancellation or incomplete Transaction may be subject to charges and expenses and foreign exchange losses when converted at the prevailing exchange rate. We shall not be responsible for any charges, expenses or losses suffered in connection with such recall, cancellation or incomplete Transaction.
7.1. Fees. We charge you a fee to use the Services (“Fees”). Our Fees page shows our fees, which may include a Transaction Fee, currency exchange fees. The Fees associated with a Transaction will be displayed before you initiate the Transaction.
7.2. Transaction Fees. We charge a fee on every Transaction. The Transaction Fee is presented to you at the time you initiate the Transaction and deducted from the Transaction Amount prior to conversion. Transaction Fees do not include any fees that your bank or the recipient’s bank may charge. Those fees may be deducted from your deposit (in the case of your bank) or the delivered amount (in the case of recipient’s bank).
7.3. Currency Exchange Rates. Where foreign currency conversion is required, 2PAYAPP shall apply the prevailing exchange rate as disclosed to you at the time you initiate the Transaction. The exchange rate may fluctuate depending on market conditions, so different exchanges rates may apply to different Transactions. The exchange rate to be used to convert your currency into the beneficiary’s currency will be displayed before you confirm the Transaction. By confirming that you wish to initiate the Transaction, you agree that the exchange rate as displayed to you shall be applied to your Transaction. You shall bear any risks associated with fluctuations in the relevant exchange rates when using the Services (e.g. if the transaction is unsuccessful or not completed).
7.4. Confirming a Transaction . By confirming a Transaction through the App or website , you agree to any currency exchange rates and to pay any Fees that are presented to you at the time you confirm the transactions, as well as an amount equal to any other fees or other expense incurred by 2PAYAPP pursuant to these Terms.
7.5. Set-off for Negative Balances . If your Account goes into a negative balance as a result of a technical error or any other action carried out by you or a third party, that negative amount represents an amount you owe to us and you obliged to repay the negative amount immediately without any notice from us. You irrevocably authorize us to set-off the negative balance with any funds that you subsequently add to or receive into your Account. We may send you reminders or take any other actions to recover the negative amount from you. We may charge you for the costs incurred by us in recovering such sums from you, and this may include costs of any third parties who support us in this process, for example, debt collection agencies.
8.1. Unauthorized transactions. You must promptly notify us in writing as soon as you become aware of any unauthorized transactions but no later than thirty (30) days after the transaction is completed.
8.1.Investigations. We may investigate unauthorized and incorrectly executed Transactions. We will have the right to investigate any transaction reported by you as unauthorized or executed incorrectly. We may ask you to provide us with supporting information and documentation to help us with our investigation and you agree to cooperate with us and provide to us all information and documentation we reasonably require for this purpose during 7 business days from our request. You also agree to cooperate with any authorities involved in our investigation. We will treat any payment instruction given via the App as evidence of authorization of the payment.
8.2. If you have a complaint, first contact our help desk support@2payapp.com , if you still have an unresolved complaint regarding the company's business activities, please direct your complaint to your provincial consumer affairs agency.
8.3. Complaints. Although we encourage you to share with us any concerns or questions you may have about our service, including your account or a specific transaction, you may also want to contact the consumer affairs authority in your province.
9.1. Intellectual Property. You may use the 2PAYAPP Services only as permitted by these Terms and solely as necessary in relation to the Services.
9.2. All intellectual property rights, including without limitation any software, application programming interfaces, developer tools, sample source code, code libraries, data, materials, printed and electronic content, text, data, articles, designs, photos, images, and other documentation provided to you as part of the Services (“Intellectual Property”) belong to 2PAYAPP or their respective third-party owners with all rights reserved. You acknowledge that all Intellectual Property shall remain the sole property of 2PAYAPP or the relevant owner.
9.3. Restrictions on Intellectual Property. You agree you will not and may not attempt to, directly or indirectly use, copy, reproduce, distribute, republish, display, post, transmit, assign, or sell in any form or by any means except as expressly provided. You agree not to modify, reverse engineer, disassemble, or decompile the Services.
9.4.No Licence. Nothing in these Terms should be construed as granting you any license or right to use any Intellectual Property, whether owned by 2PAYAPP or a third party, without prior written approval of 2PAYAPP or the respective owner. All third-party marks, products, and company names are property of their respective owners. Unless expressly provided, use of such Intellectual Property marks of a third party does not imply any affiliation with, endorsement by, or association of any kind between such owners and 2PAYAPP.
9.5. Feedback. By providing ideas, suggestions, comments, observations and other input regarding problems with or proposed modifications or improvements to the Services (“Feedback”), you hereby grant 2PAYAPP an unrestricted, perpetual, irrevocable, non-exclusive, fully paid, royalty free right to exploit the Feedback in any manner and for any purpose, including to improve the Services and create other products and services.
10.1. We make reasonable efforts to ensure that transactions are processed in a timely manner, but we make no representations, warranties or conditions, express or implied, regarding the time needed to complete processing because the Service is dependent on many factors outside our control.
10.2. EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE SERVICE IS PROVIDED TO YOU ON AN "AS IS" BASIS WITHOUT ANY WARRANTY WHATSOEVER AND WE EXPRESSLY DISCLAIMS ALL OTHER REPRESENTATIONS, WARRANTIES, AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATION, WARRANTY OR CONDITION OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR ANY WARRANTY ARISING FROM A COURSE OF DEALING, PERFORMANCE, OR TRADE USAGE. YOUR SOLE AND EXCLUSIVE REMEDY, AND 2PAYAPP'S SOLE OBLIGATION TO YOU OR ANY THIRD PARTY FOR ANY CLAIM ARISING OUT OF YOUR USE OF THE SERVICE, IS THAT YOU ARE FREE TO DISCONTINUE YOUR USE OF THE SERVICE AT ANY TIME.
10.3. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary from province to province. In any event, you may have a right to a refund as expressly described herein.
11.1. You agree to indemnify and hold 2PAYAPP, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the Terms, or your violation of any rights of another.
12.1. IN NO EVENT SHALL 2PAYAPP, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF 2PAYAPP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF 2PAYAPP, DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES.
2PAYAPP SHALL NOT BE LIABLE FOR DELAYS, INTERRUPTIONS, SERVICE FAILURES, OR OTHER PROBLEMS INHERENT IN USE OF THE INTERNET, ELECTRONIC COMMUNICATIONS, TELECOMMUNICATIONS NETWORKS OR OTHER SYSTEMS OR NETWORKS OUTSIDE THE REASONABLE CONTROL OF 2PAYAPP.
13.1. Governing Law and Venue. This User Agreement, and any dispute or claim arising out of or relating to the Service or the Terms(each a "Claim") shall be governed according to the laws of the Province of British Columbia and the federal laws of Canada applicable therein , except that body of law governing conflicts of law. You agree to submit to exclusive jurisdiction of the courts of competent jurisdiction in Vancouver, British Columbia.
13.2. Disputes with 2PAYAPP. If a dispute arises between you and 2PAYAPP, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly.
Disputes between you and 2PAYAPP regarding the Service may be reported online info@2payapp.com by mail at 2PAYAPP LIMITED, Canada, Inc., attn: Client Service (Canada), 7404 King George Blvd., Suite 200, Surrey, BC, Canada V3W1N6.
13.3. Arbitration. Any dispute regarding this Agreement, including the validity, existence, binding effect, interpretation, performance, breach or termination, and including tort claims, may be referred to and finally determined, to the exclusion of the courts, by a single arbitrator. The arbitration shall take place in Vancouver, British Columbia, in English, and in accordance with the [National Arbitration Rules of the National Arbitration Institute of Canada, Inc.] In all other respects the arbitration shall be governed by and subject to the Arbitration Act (RSBC).
13.4 Improperly Filed Litigation. All claims you bring against 2PAYAPP must be resolved in accordance with section 12 of this Agreement. All claims filed or brought contrary to section 12 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to section 12, 2PAYAPP may recover legal fees and costs (including in-house attorneys and paralegals) up to $1,000.00 CDN, provided that 2PAYAPP has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.
14.1. Termination by 2PAYAPP. Except as otherwise required by applicable law, we may suspend, restrict, or terminate your access to any or all of the Services, including your access to the 2PAYAPP Account at any time for any reason.
14.2. Suspension by 2PAYAPP. We may immediately suspend the Services if:
- You commit a serious breach of these Terms (serious breach includes persistent breaches of the requirements of these Terms);
- We believe you are behaving fraudulently, you are involved in any unlawful or illegal activity, or you are using the services for any other unlawful purpose or in violation of our acceptable use or Prohibited Activities;
- You provide false information, or if you fail to provide us with information that we reasonably request from you;
- We believe you are engaging in activity that presents an unacceptable risk to us;
- You are subject to a petition for bankruptcy (or any other proceeding relating to insolvency, receivership, liquidation or assignment for the benefit of creditors);
- We believe necessary for security reasons;
- We believe that continuing any services could cause reputational, regulatory, financial or operational harm to us;
- We believe necessary to comply with any law, regulation, guidance, court order or instructions of any regulator or government authority or
- If a government authority or financial partner requires or directs us to do so.
14.3. Modification of Services. We also reserve the right to modify the Services at any time without notice to you. We will have no liability whatsoever on account of any change to the Services or any suspension or revocation of your access to or use of the Services.
14.4. Termination by You. You may terminate use of the Services at any time by stopping use of the Services. You may close your 2PAYAPP Account at any time by notifying us.
15.1. You acknowledge and consent that this Terms shall be entered into electronically. Your creation of a 2PAYAPP account and password constitutes an electronic signature to this Terms and related agreements and have the same effect as if you signed these documents in ink.
15.2. The following categories of information ( "Communications" ) may be provided by electronic means, subject to the requirements of Canada's Anti-Spam Laws (CASL):
- this Terms and any amendments, modifications or supplements to it;
- your records of transactions through the Service;
- any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law;
- any Client service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service;
- any other communication related to the Service or 2PAYAPP.
15.3. Communications may be provided to you via email or phone number that you provide us with through (i) the use of autodialed or prerecorded message calls or email or (ii) text messages, subject to the requirements of CASL. We may contact you directly or we may share your phone number with service providers with whom we contract to provide such Communications. Standard telephone minute and text charges may apply.
15.4 The hardware and software requirements for access to and retention of the Communications associated with the Service include a personal computer or other device which is capable of accessing the Internet; an Internet Web Browser; and a printer or other device capable of printing and/or retaining agreements and documents.
15.5. The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this User Agreement.
16.1. Third party websites links and content. Any external links to third-party websites or third party content on our website are provided as a convenience to you and does not imply 2PAYAPP's endorsement of the third-party website or content, except stated in a Terms. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.
16.2. Entire Agreement. The Terms constitutes the entire agreement between you and 2PAYAPP and governs your use of the Service, superseding any prior agreements between you and 2PAYAPP.
16.3. No Waiver. The failure of 2PAYAPP to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the Terms as reflected in the provision, and the other provisions of the Terms shall remain in full force and effect.
16.4. Force Majeure. We shall not be liable for any failure or delay in the performance of the Service to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical and network infrastructure; sovereign default; power or internet failure; civil unrest; war; and earthquake, fire, flood, or other natural disasters.
16.5. Modification. We may modify this Terms from time to time without notice to you, except as may be required by law. You can review the most current version of the Term sat any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Terms and acknowledge that any attempts by you to modify this Terms shall be void.
17.1. Your security is very important to 2PAYAPP, and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately via email support@2payapp.com or our chat bot . If you are aware of anyone or any entity that is using the Service inappropriately, please email us at info@2payapp.com . If you receive any fake (phishing) emails, purporting to be from 2PAYAPP, please forward them to us at support@2payapp.com or support@2payapp.com
18.1. Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to 2PAYAPP's Privacy Policy - https://2payapp.com/privacy.html .
18.2. Client Identification Program. Canadian law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. You authorize us to verify the information that you provide to us, including by making reference to credit report information obtained from Canadian credit reporting agencies or contacting such agencies regarding the existence or length of your credit file. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website.
For additional details, please see our Privacy Policy https://2payapp.com/privacy.html .
18.3. Government Disclosures. We may provide information about you and your Transactions to government authorities and law enforcement agencies, as described in our Privacy Policy.
18.4. Verifying information. You consent and authorize us to make any inquiries, to you or to others, which are necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.
18.5. Processing of Personal Information. 2PAYAPP transfers and stores personal data in the EU and EEA States and other international jurisdictions to perform its obligations and exercise its rights under the Agreement. The applicable privacy laws of those other international jurisdictions may differ from those in Canada.