Terms of Use

Read and accept these terms

This is a legal agreement between you and PauLux.

TERMS OF USE OF PAULUX

Please read the following terms of use carefully (hereinafter “Terms of Use”) of PAULUX LTD, company whose registered office is located at 162 Caledonia Rd, Toronto M6E4S7 Ontario, Canada (hereinafter “PAULUX “ or the “Company”).

PAULUX operates an application called PauLux Wallet (hereinafter the "Application”). By deciding to use the Application, the user, that is to say the end user or the organization you represent or you work for, subject to restrictions (hereinafter the “User” or the “Users”) accepts without delay all the Terms of Use indicated below that govern the content and the running of the Application, including the Privacy Policy of PAULUX.

The terms “you” and “yours” are associated with the person who is using the Application (the User) and the terms “us” and “our” are associated with PAULUX.

These Terms of Use have the effect of legally binding the User and PAULUX (hereinafter the “Parties”). The Parties are entitled to invoke this convention and to take all appropriate and necessary measures to enforce it.

The User accepts and recognizes that PAULUX has the right to modify, change or update the Terms of Use. The Company will notify the Users thirty (30) days prior to the coming into effect of the modification of the Terms of Use of the Application by email at the email address provided by the User. If the User refuses these changes and wishes to no longer use the Application, he will have no later than thirty (30) days following the entry into force of the amendments to send a notice to PAULUX.

The use of the Application by the User after such a modification means that the User consents to respect the Terms of Use as modified and to be legally bound by them. The Company will inform the Users of any changes to these Terms of Use thirty (30) days in advance.

ACCESS AND USE OF THE APPLICATION

The Application is available on computer, tablet, smartphone. If you operate the Application, it means that you have read, understood and accepted the Terms of Use.

THE SERVICE

The Application is accessible at all times. The Application may be temporarily unavailable in case of updates or technical problems. PAULUX is not responsible for any interruption of service or updating and will try to make the updates when the affluence of visits on the Application is at its lowest.

PAULUX does not guarantee that the Application, or any portion thereof, will function on any particular hardware or devices. In addition, the Application may be subject to malfunctions and delays inherent in the use of the Internet and electronic communications.

PAULUX reserves the right to add, delete and modify all content, or parts of it, on the Application, except for the specific content of the User. PAULUX cannot be held responsible for mistakes, typographical errors or bugs. Each User created in the system owns the content on his account. PAULUX does not delete anything unless a User requests it.

The User agrees, non-restrictively, to not:

a) Use the Application in a way that could harm, put out of service, surcharge or jeopardizes the Application;

b) Disrupt the security or otherwise abuse of the Application or any Service, system’s resources, server or network linked to the Application or to websites affiliated, linked to or accessible from the Application;

c) Disturb or disrupt the use or the enjoyment by other Users of the Application or websites affiliated or linked to the Application;

d) Download, display or otherwise provide on the Application a virus or any other file or computer program that is harmful, disrupting or destructive;

e) Use a robot, spider or any other automatic devise or manual method to control or copy pages or content of the Application;

f) Use the Application to send e-mail chains, «junk mail» or any other type of unsolicited mass e-mail;

g) Attempt to obtain unauthorized access to the Application or to certain parts of the Application with limited access. Moreover, the User recognizes that he is the sole person responsible for any action, communication engaged or sent to him or from him. He agrees to respect the legislation applicable to its use of and its activities on the Application;

h) Use cheat codes (if applicable); and/or

i) Use bots.

Your Application

The Application enables the User to transfer funds to bank cards, bank accounts or mobile application of third parties using his bank cards and credit cards (hereinafter the “Funding source”), linked to the Application.

The User can view the transactions carried out on his Application.

Regulatory information

The Application is provided by PAULUX. PAULUX LTD is a private company, incorporated in Canada and an entity registered with Fintrac (MSB registration number M23641244).

Although they are regulated by the Financial Transactions and Reports Analysis Centre of Canada FINTRAC (https://www.fintrac-canafe.gc.ca/intro-eng), the Application and the related payment services are not covered by the CIDC (https://www.cdic.ca/your-coverage/protecting-your-deposit/). No compensation exists to cover losses claimed in connection with the Application.

The User’s Application is not issued by a bank. No interest will accrue or be paid on balances held on the Application.

Eligibility

To apply for or use the Company’s Application you must:

i. be at least 18 years old;

ii. register for the Application in accordance with the instructions set out on the registration page of our website including indicating your agreement to be bound by these Terms of Use;

iii. not be in breach of any of these Terms of Use;

iv. not be a holder of an operational Application or a blocked/suspended Application with the Company;

v. not be a holder of an Application that was previously closed by the Company; and

vi. not be a resident of any country to which the Company do not provide the Application.

Applying for the Application

To become a User, the User must apply for an Application by providing all of the information requested on the registration page of our website. The User must not apply for more than one Application.

The User must not provide any false, inaccurate, incomplete or misleading information.

The User may not be able to use the Application or any part of its functionality until he has passed the Company’s identity and security validation and verification checks, and provided information requested in accordance with anti-money laundering regulations and our internal policies. You will have to enter the following information into the relevant fields of our application form: full name, date of birth, residential address, mobile phone number, and e-mail address. Your information will be automatically uploaded into our records, and your personal details will be automatically screened against the following sanctions lists:

- Consolidated Canadian Autonomous Sanctions List, including:

o Listed Persons under the Canada’s Special Economic Measures Act; and

o Listed Persons under the Justice for Victims of Corrupt Foreign Officials Act

- Lists administered by the Office of Foreign Assets Control (OFAC), including without limitation, the Specifically Designated Nationals and Blocked Persons list;

- Her Majesty’s Treasury Department – UK (HMT);

- European Union sanctions (EU); and

- United Nations sanctions (UN).

The User must link his funding source to his account by following the instructions provided in the interface of the Application. He/she must not attempt to link a funding source that is not in his/her name and/or does not belong to him/her.

Any transaction initiated by the User will require the User to provide: the funding source details, the transaction amount, and the recipient’s full name and bank card, account or application details. If a transaction amount or a cumulative amount of the transactions made by you exceeds a threshold established by us from time to time, you will have to provide us with some additional documents and information to our full satisfaction, as will be determined by us in our sole discretion. Such documents and information will include, without limitation, clear color photos or scan copies of your identification documents, the documents confirming your residence address, and such other documents as we may request in our sole discretion.

The Company will accept the following valid documents for the purposes of verification of your identity: current signed passport; a National ID card bearing your photograph; a Canadian driving license; a Provincial Health Insurance Card; any other document as specified on our Application and/or accepted by us; or such document as specified in Fintrac’s list (https://www.fintrac-canafe.gc.ca/guidance-directives/client-clientele/Guide11/11-eng#a4 )

The Company may ask some other document for the purpose of verification of your residence address such as utility bill (gas, electric, satellite, television, landline phone bill) issued within the last three months; local authority council tax bill for the current council tax year; bank, building society or credit card statement or passbook dated not older than three months, verified by the issuing organization; current Canadian Driving license (if not used as proof of ID); original mortgage statement from a recognized lender for the last full year; or council or housing association rent card or tenancy agreement for the current year; or such other document as specified on our Application and accepted by us.

The documents will have to be uploaded by you into our system using a relevant function in the interface of the Application, and they will be scanned by our specific software to verify that the documents satisfy the applicable standard format, and that the photo is not graphically altered. If the photos or scan copies of the documents do not pass the technical screening described above, the transaction will be refused, and you will be denied from using the Application.

The Company retains the right to request any additional documents and/or information regarding you, your transaction(s) and/or sender and/or recipient of funds of your transaction. We will decide in our sole discretion whether the documents and/or information provided are sufficient to allow you to use the Application or any part thereof.

The Company will request an update or confirmation of your information and documents, kept in our files, as frequently as needed for us to follow our internal policies and to comply with the applicable laws and regulations.

The Company may check all personal and identity verification information you give us with credit reference or fraud prevention agencies and other organizations. These agencies may keep a record of your information and the searches made. However, we do not perform a credit check and any search is for identity purposes only and will be recorded as such.

We shall keep records of the information and documents we received from you in accordance with all applicable legal and regulatory requirements.

The User’s Application will be denominated in canadian dollars (CAD), unless otherwise indicated.

The Company will review your account as soon as possible. It remains in our sole discretion whether we issue an account to you. If your account is approved, we will advise you as soon as possible.

Using the Application

• Application’s Functionality

The User may use his Application only for personal purposes. The Application cannot be used for business related activities unless specifically authorized by the Company. The User may request the business use authorization by sending a message to our User support Service.

Upon successful registration of his Application, the User will be able to, subject to the payment of any applicable Fees and compliance with these Terms of Use, transfer funds to bank cards and/or bank accounts and/or digital wallets of third parties using his Application.

The User may not use his Application for payment for any of the following products and/or Services:

i. Adult Entertainment;

ii. Pornography;

iii. Drugs and Drug Paraphernalia;

iv. Arms and Ammunition;

v. Sexual Encounter and Related Services Provided by Sexual Encounter Firms;

vi. Unlicensed Money Transmission and Financial Services;

vii. Escort Services;

viii. Government Grants;

ix. Home Based Charities;

x. Pay Day Loans;

xi. Tobacco Sales;

xii. Any Other Products and Services Related to those listed in Points (i) – (xii) above.

• Transaction Limits

The User’s Application may be subject to limits associated with loads and transactions.

• Permission

When the User is using his Application, he permits us to receive a transfer of funds on his behalf and deduct any applicable Fees from those funds for our own account. He should check all the Fees which apply to his use of the Application. These are set out in the Fees and Limits Table on our Application.

• Transactions

The Application enables the User to undertake transactions online. We impose limits on these transactions as set out in the Fees and Limits Table.

• The User can access information on any transaction he has made by accessing his account through the Application. This will provide him with detailed information including the Fees he has paid in relation to any transaction. If it’s required, we can also confirm the maximum time it will take for any transaction he has initiated to be executed.

• The Company will deduct the value of your transactions and any applicable Fees from your funding source at the time of the transaction. If you make a transaction, any applicable Fees will be added to the amount of the transaction so that the total sum of your transaction amount plus the applicable Fees will be deducted from your funding source.

If you are attempting a transaction or redeeming funds in excess of the available balance on your funding source at the time the request is made plus any applicable Fees, then your request will not be processed.

• In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on your funding source (hereinafter a "Shortfall"), the Shortfall shall be reimbursed by the User unless it is due to an error on the part of the Merchant. In these circumstances, we may seek the Shortfall from the Merchant.

Where the Shortfall must be reimbursed by the User, the User will be required to Load funds immediately to reimburse the negative balance. Until the Company is reimbursed of the Shortfall amount, we may suspend the User’s Application. If we believe the Shortfall has been created intentionally this will be treated as potential Fraud.

• Transaction History

The User may check his transaction history by logging into his account on the Application. We will update the User’s transaction history near real-time.

The transaction history will show:

i. the amount of the transaction shown in the currency in which the transaction was paid and debited to your Funding source;

ii. the foreign exchange rate used for currency conversion where applicable;

iii. the amount of Fees for the transaction;

iv. the date the transaction is authorized or posted.

EXPIRY, CANCELLATION, CLOSURE AND SUSPENSION

The User’s Application does not expire and will remain valid until cancelled by either the User or the Company. The User’s Application will be cancelled automatically if it stays inactive for eighteen (18) consecutive months.

The User may close his Application at any time by giving a notice to the Company in writing via email or mail or via the Application.

When the Application is cancelled, we will immediately block the Application so it cannot be used. The User will remain liable for all obligations relating to his Application even after his Application has been closed. Closing the Application does not mean that we delete the personal data that we hold on the User and we will continue to store such data, including the history of your transactions for a minimum period of seven (7) years as required by law.

If the User closes his Application he will no longer be able to use any of the functionality of the Application.

We may terminate these Terms of Use and close the User’s Application by giving the User a two (2) months’ notice by email for any reason.

We may close the User’s Application and terminate these Terms of Use immediately upon notice to him given via email or over the phone:

i. if the User breaches an important part of these Terms of Use, or repeatedly break these Terms of Use and fail to resolve the matter in a timely manner;

ii. if the User acts in a manner that is threatening or abusive to our staff, or any of our representatives.

The Company may at any time suspend, restrict or cancel the Application’s functionality and terminate these Terms of Use, or refuse to reactivate the User’s account if:

i. we are concerned about the security of the User’s account;

ii. we suspect the User’s Application is being used in an unauthorized or fraudulent manner;

iii. we suspect that the User’s funding source is not issued in his name and/or belongs to a third party; or

iv. we need to do so to comply with the law.

We will tell the User as soon as we can before we do this if possible or otherwise immediately afterwards, giving our reasons, unless letting him know would compromise reasonable security measures or be otherwise unlawful. We will reactivate the User’s account or replace it with a new one without undue delay after the reasons we suspended, restricted or cancelled its use cease to exist. We may also cancel these Terms of Use or suspend the User’s account immediately if we believe it is deliberately being used by the User to commit fraud or for other illegal purposes. If we do this, we will tell the User as soon as we are permitted to do so.

The Company may refuse to process a transaction:

i. if sufficient funds are not loaded on your funding source at the time of a transaction to cover the amount of the transaction and any applicable Fees;

ii. if you fail to pay applicable Fees;

iii. if we have reasonable grounds to believe that you are acting in breach of these Terms of Use;

iv. if we believe that your transaction is suspicious or potentially illegal (for example, if we believe that your transaction is being made fraudulently); or

v. because of errors, failures (whether mechanical or otherwise) or refusals by Merchants.

If we refuse to process a transaction because we think it is suspicious or potentially illegal, where we are permitted to do so by applicable law we will contact you by phone. If we refuse to process a transaction for any other reason, we will inform you by email without undue delay and in any event by the end of the next Business Day, giving our reasons and explaining how you can correct any information we hold that led to us refusing to process the transaction, unless informing you would compromise security measures or be unlawful.

You are responsible for the correctness of the transaction information provided by you to us, including without limitation the details of the funding source, name and other information of the recipient, recipient’s card or bank account, transaction amount, transaction currency, and any other information provided to us in the course of completing your transaction (“Transaction Information”). We cannot predict or guarantee the results of any transaction attempted or completed based on incorrect Transaction Information. We will not be liable to you for non-performance or improper performance of our obligations under this Agreement if you provide us with incorrect and/or insufficient Transaction Information.

• Fees

The Fees applicable to the User’s Application (hereinafter the “Fees”) are set out in the Fees and Limits List on our Application and will be deducted from the User’s Funding source.

If the User makes a transaction that requires one or more currency conversions (for example because his Application or his funding source is denominated in a currency that is different from the currency in which the recipient’s card is nominated), we apply the foreign exchange rate set out in our system on the day of the transaction, that will be displayed in the interface and that the User will need to agree to before completing the transaction.

The exchange rate applicable to each transaction currency conversion is determined by the Company and depends on the time at which a transaction is executed.

The User’s bank may apply their own fees to the User’s use of the Application and/or completing transaction(s). The User should check those fees prior to using the Application and/or completing transaction(s). The Company will not be responsible for any fees imposed by the User’s bank or any other bank in connection with the User’s use of the Application and/or completion of transaction(s).

• Unlawful Activity

The User is prohibited from using his Application for the purposes of legalization of the illegal proceeds, illegal activities, illegal trade, and any other transactions made in violation of the applicable laws.

The User will use all reasonable efforts to prevent using his Application for illegal trade, illegal financial transactions, or legalization of illegal proceeds.

• Promotion Programs

The Company may develop and launch a promotional program (hereinafter the “Program”) that will provide additional benefits to the User and our other Users. The terms and conditions of each Program will be developed by us and notified to the User separately. The User will be able to benefit from the Program only subject to his full and unconditional acceptance of such Program’s terms and conditions. As part of the Program, we may provide the User with promotional code(-s) and the User will be able to use such codes in accordance with the terms and conditions of the relevant Program.

SECURITY, UNAUTHORIZED AND INCORRECTLY EXECUTED TRANSACTIONS

• Security

If the User has any indication or suspicion that his Application, password, or other security details are lost, stolen, misappropriated, used without authorization or otherwise compromised, the User should change his password and contact us immediately. Any delay in notifying us may result in the User being liable for any losses.

• Identity

It is the User’s responsibility to keep his identification, security information, password, security questions and answers and other information specific to his Application confidential and never disclose them to anyone. Should another person gain access to the User’s Application by passing all identification and security validation and verification checks, we may be entitled to treat any transaction or other transaction conducted by that person as valid and authorized by the User and may not be responsible for any loss or damage he may incur as a result.

If the User thinks a transaction which was not authorized by him has been processed or has been incorrectly executed, he must contact us without undue delay on becoming aware of it and at the very latest within thirteen (13) months of the debit date. The User may be required to complete and return a declaration form to us promptly. The Company will refund any unauthorized transaction without undue delay and restore the User’s account to the state it would have been in if the unauthorized transaction had not taken place immediately unless we have any reason to believe that the incident may have been caused by the User’s breach of these Terms of Use, the User’s gross negligence or if we have reasonable grounds to suspect that it has been caused by the User’s fraudulent activity.

When the User’s notifies the Company of an incorrectly executed transaction, we will investigate the circumstances. If the User asks us to, we will make immediate efforts to trace the transaction and will notify him of the outcome. We are liable for the correct execution of the transaction and for any charges and interest that the User has to pay as a consequence of the non-execution of the transaction unless we can prove that the transaction was received by the intended recipient. If our investigation shows that the amount of the transaction was not received by the intended recipient, we will refund the difference to the User without undue delay and restore his account to the state in which it would have been had the defective payment transaction not taken place. We are not liable to the User if he incorrectly identifies the intended recipient, including any Merchant, under a transaction, but in such a case we will make reasonable efforts to recover the funds involved.

• Investigations

If our investigations show that a transaction reported by the User as unauthorized or incorrectly executed was in fact authorized by him, or the User have acted fraudulently or with gross negligence (for example, by failing to keep his security information secure), we may reverse any refund made and the User may be liable for any and all loss we suffer from his use of the Application.

PRIVACY

In applying for the Application and using it, the User agrees that we can use his personal information in accordance with our Privacy Policy. Our Privacy Policy is on our Application and includes details of the personal information that we collect, how it will be used, and who we share it with.

By using the Application, the User also consents to the use of his personal information as required to execute the payment in accordance with regulatory requirements. Depending on where the User uses his bank card, this may include a processing of his information outside of Canada.

LIABILITY

Any liability on our part in connection with these Terms of Use shall be subject to the exclusions and limitations set out in this section.

Unless otherwise required by law or as set out in these Terms of Use, the Company will not be liable to the User in respect of any losses he or any third party may suffer in connection with the Application as a result of our actions or inactions which were not a foreseeable direct consequence of our actions or inactions, so we shall not be liable for indirect consequences.

The Company will not be liable for the goods or services that the User purchases with his Application.

From time to time, the User’s ability to use his Application may be interrupted, e.g. when we carry out maintenance. If this happens, you may be unable to:

i. load your Application; and/or

ii. use your Application to pay for purchases; and/or

iii. obtain information about the funds available in your Application and/or about your recent transactions.

Where sums are incorrectly deducted from the User’s Application, our liability shall be limited to payment to the User of an equivalent amount.

In all other circumstances the Company’s liability will be limited to repayment of the amount of the available balance on the User’s Application at the time the liability arose.

COMPLAINTS

If you are unhappy in any way with your Application or the way it is managed or have any other complaints in connection with it, please tell the Company first by contacting us so that we can investigate the circumstances for you.

We will endeavor to deal with your complaint quickly and fairly and will notify you of the outcome of our investigation.

If you would like a copy of our internal complaint handling procedures, then please request a copy from us.

INTELLECTUAL PROPERTY

All intellectual property rights (trademarks, copyrights, etc.) (hereinafter the “Intellectual Property” related to the Application are the exclusive property of PAULUX. The User may not copy or use the material, structure, menu, appearance or characters that appear on the Application without the express consent of PAULUX.

Certain names, words, titles, expressions, logos, icons, graphs, drawings, domain names or other content displayed on the Application may, among other things, be trademarks or commercial designations, whether registered or unregistered (hereinafter the “Trademarks”). These Trademarks are protected by Canadian and foreign laws applicable to trademarks and are, as the case may be, the exclusive property of PAULUX.

Without limiting their coverage, the Intellectual Property elements belonging to PAULUX include, non-exhaustively, the following elements:

- All logos, drawings, graphs, marks (registered or not), symbols, texts, expressions, words as well as the general content on the Application;

- All software, APIs and materials made available by the Application;

- All databases made available by the Application;

- All the content offered by the Application for free download; and

- All the characters design.

Any information provided on the Application belongs to PAULUX and is protected by the applicable laws. Except when provided otherwise, the information cannot be copied, displayed, distributed, downloaded, used with a license, modified, published, reproduced, reused, sold, transmitted or used for derivative works means, public or commercial, without PAULUX ’s express and written authorization. The information is protected under Canada’s copyright and trademark legislation as well as under the copyright and trademark legislation of the countries hosting the Application.

The User can use the information on the Application for a commercial use, provided that he indicates on the copies the mentions regarding copyrights as well as the notices and attributions of the respective trademarks. The Terms of Use allow the User to have restricted authorization regarding its consultation, the display on his computer, the download and printing of text or pictures presented on the Application. This authorization is strictly for commercial, personal and educational uses, provided that the Application’s content is not modified. This authorization belongs only to the User and cannot be attributed or transferred to anyone else neither can it be subject to a sublicense. The pictures and the text contained on the Application that are downloaded, copied, saved or printed are still subject to the Terms of Use. The User himself needs to assure itself that all the notices regarding copyrights and trademarks are still on them. The Application’s content can be modified at all times without warning. For further information regarding the authorization to use, reproduce or publish again any information displayed on the Application, please contact us at the following e-mail address: corporate@PauLux.com.

Nothing contained herein shall be interpreted as conferring any license or any kind of right to the User under copyright or trademarks laws.

Unauthorized download, broadcast, copy or modification of Intellectual Property or data contained in the Application can breach laws regarding trademarks or copyrights. Such breach can expose the User to a lawsuit.

EXTERNAL LINKS

It is possible that by using a link, the User exits the Application to access external content (hereinafter the "External Links’). In addition to its own content, PAULUX provides on its Application links to other websites only for user-friendly and informative purposes. The Company has no control over the content of those websites and is not responsible for their accuracy, precision, comprehensiveness, authenticity, actuality or adequacy. PAULUX is also not responsible for any direct or indirect damage or consequence regarding content in these External Links. PAULUX has no influence on the content to which the External Links refer to and is not responsible for it. PAULUX does not require the transmission of information, does not select nor modify the information transmitted and does not select the recipients of the information transmitted. Furthermore, under links’ creation and consultation method in effect, PAULUX does not subject the External Links to any intermediary short-term automatic safeguard. Consequently, the owners of the websites accessible from the External Links remain responsible for their content.

Furthermore, PAULUX does not guarantee the absence of copyright, trademark or any other rights violations by those websites or their content. PAULUX does not guarantee the absence of virus or any other harmful composites on those websites or on their content.

PAULUX also does not guarantee the accuracy of documents available on Internet.

DISCLAIMER, EXCLUSION OF WARRANTY AND INDEMNITY

The Company does not guarantee the accuracy, completeness, quality, suitability or content of the information on its Application. This information is provided "as is" without warranty or condition of any kind, unless otherwise stated in jurisdictions that do not allow the exclusion of implied warranties.

The Company is not responsible for the content posted on the Application by the User and for any damage that may result. Each User is responsible for the content it exchanges on the Application and may not use the Application for purposes contrary to the laws applicable in Canada.

Except where the Consumer Protection Act is applicable, the Company shall not be liable for any direct, indirect, special, incidental or consequential damages, or any other damages whatsoever, including loss of income, profits or anticipated economic benefits from the use or inability to use the Application, the information, documents and software contained therein, with their content, even if we have been warned of the possibility of such damages or even if such damages may be reasonably foreseen.

As a User, you will indemnify the Company, and, as the case may be, its directors and officers, shareholders, partners, employees, agents and other stakeholders of PAULUX, and release them from all liability for any and all claims, liabilities, losses and fees (including legal fees) attributable to the use of the Application and/or the violation of these Terms of Use, whether this infringement is on your behalf or any other third-party user of your account.

You may not use or export the information nor any copy or adaptation of the information in contravention of applicable laws or regulations.

APPLICABLE LAWS AND JURISDICTION

The Application and its content are managed by PAULUX from their offices located in Province of Alberta in Canada. The Application, its content, the Terms of Use and your use of the Application are regulated by the applicable legislation of Canada, without giving effect to no principle regarding conflicts of laws.

Except for the resident of the Province of Quebec, the User accepts that any litigation regarding the Application will be resolved by an arbitration rather than in court. The arbitral court will be chosen by PAULUX.

If the litigation is raised by a resident of the Province of Quebec, the dispute will be settled by the courts of the Province of Quebec directly.

In addition, any court decision saying that any provision of these Terms of Use is void or unenforceable has no effect on the other clauses.

If you have any disputes about purchases made using your Application, you should settle these with the Merchant you bought the goods or Services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or Services purchased with your Application. Remember that once you have used your Application to make a purchase we cannot stop that transaction.

AMENDMENTS TO THESE TERMS

PAULUX occasionally updates these Terms of Use. The User accepts and recognizes that PAULUX has the right to modify, change or update the Terms of Use. The Company will notify the Users thirty (30) days prior to the coming into effect of the modification of the Terms of Use of the Application by email at the email address provided by the User. If the User refuses these changes and wishes to no longer use the Application, he will have no later than thirty (30) days following the entry into force of the amendments to send a notice to PAULUX.

The use of the Application by the User after such a modification means that the User consents to respect the Terms of Use as modified and to be legally bound by them. The Company will inform the Users of any changes to these Terms of Use thirty (30) days in advance.

PAULUX will treat the notice from the User as notification that he wishes to terminate this agreement. In such circumstances, PAULUX will close the User’s account as soon as practicable. If the User changes his mind within thirty (30) days after the deletion of his Application, PAULUX will restore the User’s information.

ASSIGNMENT

These Terms of Use are personal to you and you may not assign or otherwise transfer your rights and obligations under them. We may assign or transfer the benefit and burden of these Terms of Use to another entity at any time, on giving you a two (2) months’ prior notice of this. If we do this, your rights will not be affected.

FRENCH AND ENGLISH LANGUAGE

This Agreement is concluded in English. All communications with you will be in English.

If a problem of definition or interpretation arises between the English and French versions of this policy, the English version shall prevail.

CONTACT PERSON

PAULUX LTD is a private company, incorporated in Canada and an entity registed with Fintrac (MSB registration number M23641244).

If you have any questions about these Terms of Use, or any of your dealings with PAULUX, you should contact us either in writing or by telephone.

If you want a copy of these Terms of Use or any of the other legal documents that relate to the Application you should send an email with your request to info@infocorpnow.com. We will deal with your enquiry promptly.

If you have any knowledge or suspicion that your Application, or any password, has been misappropriated or otherwise compromised, please please send an email to info@infocorpnow.com.

 Last update done 02-21-2024.