Welcome to GxPay!

These are the terms and conditions for:

·        GxPay mobile application (Available on Google Play and App Store).

·        https://www.gxpay.com

By downloading and using the Platform, you agree to these terms and conditions and our privacy policy. The following terms and conditions apply to your use of the Platform. This includes mobile and tablet versions, as well as any other version of GxPay accessible via desktop, mobile, tablet, social media or other devices.

PLEASE READ THESE CONDITIONS CAREFULLY BEFORE DOWNLOADING AND USING THE FUNCTIONALITIES AVAILABLE ON THE PLATFORM.

1. DEFINITIONS

In these terms and conditions, the following words have the following meanings:

·        User, you and your: these words refer to persons or users who download the Platform and use the Services.

·        GxPay, we, us, and our: these words are used to refer to the GxPay Platform.

·        Platform: this word refers to the technology provided by GxPay , which enables access to and use of the Service through your mobile phone or other electronic device.

·        Beneficiary: the beneficiary is the person to whom the User sends money through the Service.

·        eWallet: refers to the stored value account into which your Remittance can be paid to the Beneficiary, usually accessible via the mobile phone of the recipient.

·        Payment Account: means the debit card account, prepaid account or bank account (or other source of funds that GxPay agrees to accept from time to time for use under this Agreement) that you provide to GxPay to make payment for your use of the Platform. This account must be in your name and managed by a financial institution in your country.

·        Remittance: means the transfer of funds that you request and authorise GxPay to process through the Platform, in order to make a payment to the Beneficiary.

·        Service or Services: refers to the Service of sending remittances to Beneficiaries residing in the countries where the Platform is available.

2. ACCEPTANCE OF TERMS

By downloading and using the Platform you agree to be bound by this agreement. If you do not agree to the terms of this agreement, you must not use our Platform. We may modify this agreement from time to time, and such modification will be effective upon posting on the Platform. You agree to be bound by any modification of these terms and conditions when you use GxPay after the posting of such modification; therefore, it is important that you review this agreement regularly.

The Platform is not directed to persons under the age of 18. GxPay does not knowingly collect information from persons under the age of 18. It is the responsibility of parents and legal guardians to determine whether use of the Platform or any of the content and functionality available on the Platform is appropriate for their child or ward.

By downloading and using the Platform, you represent and warrant that you have full right, power and authority to enter into this agreement and to fully perform all of your obligations hereunder. You further represent and warrant that you are not under any legal incapacity or contractual restriction that would prevent you from entering into this agreement.

3. NOTIFICATIONS

By using the GxPay Platform, you consent to receiving communications from GxPay through various channels, including but not limited to:

• Email: For transactional, security, and promotional updates.
• SMS/Text Messages: For alerts, verifications, and promotional content. Standard messaging rates may apply.
• Push Notifications: Via mobile and web applications.
• Phone Calls/Voice Messages: Including automated and live calls.
• In-App Messaging: Notifications and updates within the app.
• Social Media and Third-Party Platforms: Messages through connected accounts.
• Postal Mail: For legal or compliance-related communications.
• Browser Notifications: Real-time alerts in your web browser.
• Chat Services: Via automated or live chat systems.

By using GxPay services, you agree that such notifications are integral to the service, and you consent to receive them. You may opt out of receiving certain non-essential communications, such as promotional messages, by following the provided opt-out instructions or by managing your communication preferences within your account settings.

However, opting out of notifications may affect the delivery of certain services and limit your ability to receive critical account-related information, security alerts, or service updates. GxPay is not responsible for any service disruption or loss of functionality resulting from your decision to opt out of communications.

You are responsible for ensuring that your contact information is accurate and up to date. GxPay may use new or emerging communication technologies as they become available. We are not liable for communication failures due to factors beyond our control, such as network issues or incorrect contact details.

4. ACCOUNT

Users will be able to register and open an account on the Platform. Only persons over 18 years of age may register. GxPay reserves the right to carry out any necessary checks during or after registration. You are responsible for maintaining the confidentiality of your password and account information and are fully responsible for all activities that occur under your password or account. You agree to immediately notify GxPay of any unauthorized use of your password or account or any other breach of security, and to ensure that you log out of your account at the end of each session. You may never use another user's account without GxPay prior authorization. GxPay will not be liable for any loss or damage arising from your failure to comply with this agreement.

Users may cancel their accounts at any time and for any reason through the account settings or by sending us their request through our contact information. Such cancellation will only result in the deletion of the account and the deletion of all personal data provided to GxPay . GxPay reserves the right to terminate your account or your access immediately, with or without notice, and without any liability to you, if GxPay believes that you have violated any of the provisions contained in these terms and conditions.

5. IDENTITY VERIFICATION (KYC)

As part of the registration process and in order to use certain GxPay features, all users must complete our Identity Verification (KYC) process.

In order to comply with our KYC policies, one or more of the following documents and information may be requested:

·        National ID card, passport or driver's license.

·        Proof of address, such as utility bills or bank statements.

·        Other documents and information that the Platform deems necessary to comply with applicable laws and regulations.

After submitting the required documentation, GxPay will review the documents and respond within a reasonable period. GxPay reserves the right to request additional information or documentation if deemed necessary.

Users are responsible for keeping their KYC information up to date. If there are any changes to the information provided, you must notify GxPay and provide the appropriate updated documentation.

GxPay reserves the right to deny, suspend or terminate access to Services if a user does not successfully pass the KYC process or if there is suspicion that the information provided is false, inaccurate or incomplete.

All information and documentation collected as part of the KYC process will be kept confidential and stored in accordance with our Privacy Policy and applicable data protection laws.

6. SERVICES

The Platform and Services are only available in the following countries:

·        Canada

·        United States of America (Coming Soon!)

The user may use the Platform exclusively to send a remittance to a beneficiary located in a country where GxPay offers payment Services, as set out on the Platform from time to time. GxPay will process the remittance and make the funds available for receipt by the beneficiary.

Use of the Platform or Service does not establish or create a fiduciary or custodial relationship between you and GxPay . GxPay provides a remittance Service only; the funds you request GxPay to pay to your beneficiary are not held by GxPay as a deposit or in escrow, and GxPay does not handle or process your remittance in a fiduciary capacity. GxPay sole responsibility is to make payment of your remittance to the beneficiary or return the principal amount of the remittance.

You should only use the Service to send remittances to persons with whom you have a personal relationship and meet in person, and you should not use the Service to make payments to unknown or untrusted third parties for goods or Services. If you choose to make payments to third parties for goods and Services using the Service, you should be aware that GxPay has no control over, and assumes no responsibility for, the quality, safety, legality or delivery of such third-party goods or Services. Your use of the Service is at your own risk.

7. SERVICE AVAILABILITY

The Service is generally available 24 hours a day, 365 days a year; however, there may be times when the Service is unavailable to you or your Beneficiary. Unavailability may be due to actions of GxPay , such as temporary interruptions for updates or upgrades, as well as events beyond GxPay control, such as power outages, telecommunications failures, armed conflict or civil unrest, natural disasters or another force majeure.

8. USE OF THE SERVICE

To use the Service, you need to use the Platform to notify GxPay to withdraw the principal amount of the Remittance from your Payment Account, plus any applicable fees and commissions. By requesting a Remittance, you authorise GxPay to debit the principal amount of the requested Remittance and associated costs, if any, from your Payment Account. It is important to note that GxPay is not obligated to process or complete a requested Remittance if, for any reason, it is unable to obtain the necessary authorisation or settlement of funds from your Payment Account to cover the principal amount of the Remittance and all applicable fees and charges.

GxPay will provide you with detailed information about the fees and costs associated with providing the Service before you initiate a Remittance. These fees and charges are subject to change from time to time and may vary depending on a number of factors, such as the principal amount of your Remittance, the type of Payment Account you hold, your location and the location of your Payee.

In addition to fees and charges, GxPay will also show you the exchange rate that will be applied to your Remittance before it is sent. This exchange rate determines the conversion of your funds into the currency that will be delivered to your Beneficiary and is subject to change periodically.

It is important to note that, in addition to the fees and charges you pay when sending a Remittance, GxPay generates revenue when it converts the currency you send into the currency that is paid to your Beneficiary.

In the event that the charge to your Payment Account is rejected, reversed or cancelled for any reason after GxPay ay has processed your Remittance request, you assume liability to GxPay for the principal amount of the Remittance and all related fees and charges. You agree to pay such amounts, plus any applicable additional Service charges. You authorise us to debit your Payment Account for any of the above amounts.

The use of your debit card to make a Remittance may be subject to fees (including a cash advance fee) in accordance with your agreement with your bank or other financial institution issuing the card. You are advised to carefully review such card agreement for any applicable fees

Although GxPay will make payment of the principal amount of your Remittance to your Beneficiary in the currency specified by GxPay when initiating the Remittance, it is important to consider that your Beneficiary may face costs, fees or charges from your bank, mobile phone provider, E-Wallet issuer or other entities related to the maintenance or withdrawal of the funds. In addition, your Beneficiary's ability to use or withdraw the funds you send may be subject to restrictions stipulated by the terms and conditions of your Beneficiary's eWallet issuer

GxPay.

Support@gxPay.com