USER AGREEMENT

Date published:

Date of effect: 12th of October 2026

WHY THIS INFORMATION IS IMPORTANT

This is the User Agreement for the Taptap Send mobile application (the “App”) and our services. It also sets out important things that you need to know. It forms a legal agreement (the "Agreement") between:

● you, the person registered for the account in the App; and

● us, Taptap Send Payments Canada Inc.

By signing up for the services and using the App, you accept this Agreement, including the fees disclosed on our website and in the App. Once you accept the Agreement, it becomes legally binding on you.

We provide our services to you through the App. We may provide services, or information relating to our services in other ways too, like through our website. The Agreement applies however you access our services or information.

You can close your account, stop using the App by deleting it, or end this Agreement at any time, and at no cost.

You should read this Agreement along with our Privacy Policy, our Cookie Policy and the eCommunications Policy, all of which apply to your use of the App and our services and are incorporated by reference in this Agreement. If you participate in any of our rewards programmes, separate terms and conditions will apply. Each time you access or use App or the Service you will be deemed to agree to the then current version of the Agreement. You can get the most up-to-date version of the Agreement at any time on our website (https://www.taptapsend.com/terms-and-conditions). If you do not accept the terms or wish to be bound by the Agreement, do not access, register with or use the App or Service.

About us

Taptap Send Payments Canada Inc. is a British Columbia corporation, with its registered office at 1133 Melville Street, Suite 3500
2600-Three Bentall Centre 595 Burrard Street, CP 49314
, The Stack,
Vancouver British Columbia
The Stack, Vancouver, BC V6E 4E5

V6E 4E5
V7X1L3
, Canada. Taptap Send Payments Canada Inc. is registered as a money services business with the Financial Transactions and Reports Analysis Centre under number M21060579 and with the Revenu Québec under number 904652.

The best way to contact us is through the “Support” section of the App. You can also contact us by phone or email. Please see the “Support” section of the App or the “Contact Us” section of our website for more details.

1. DEFINITIONS

In this Agreement we use the following definitions:

“App” means the Taptap Send mobile application, which may be updated from time to time.

“Destination Country” means the country in which the recipient receives money through a Service.

"
Interac e-Transfer
" means the
Interac
e-Transfer® service operated by Interac Corp. and made available through participating Canadian financial institutions, which we offer as a Payment Method through our payment processing partner.

“Payment Instruction” means an instruction from you requesting us to make a Transfer as a one-off money remittance.

“Payment Method” means a valid method of payment used to fund a Payment Instruction, including a debit or credit card or Interac e-Transfer
.

"
Payment Method Provider
" means your bank or other financial institution, card issuer, Interac Corp., our payment processing partner, or any other third party involved in funding a Payment Instruction or returning funds to you.

“Security Details” means the security credentials for your account with us, including biometric information, your password, your PIN and any other login information that we may choose to accept from time to time.

“Services” are described at section 2.1.

“Service Provider” means a local bank, mobile network operator, or other third party service provider in a Destination Country which provides an account, cash pick-up, cash delivery, mobile wallet or similar services to a recipient.

“Transfer” means the transfer of money to a designated recipient.

2. USING THE SERVICE
   
   

   1. Our service is: Transfers: You can send international money remittances to recipients via selected Service Providers in Destination Countries when you log into the App.
      
      

   2. To register for the Services, download the App (e.g. from the App Store® or Google Play™) and follow the instructions. We may issue updates to the App through the App Store® or Google Play™. You might become unable to use the App until you have downloaded the latest version. You are responsible for ensuring that your mobile device and operating system are compatible with the App. We do not guarantee functionality on unsupported or outdated platforms. We may disable or restrict access to the App on devices that do not meet current software standards or security requirements.
      
      

   3. Once you have registered for the Services and have logged into the App, you can:
      
      

      1. transfer money to recipients;
         
         

      2. view all your transactions, related fees and exchange rates; and
         
         

      3. manage your use of the Services, or close your account.
         
         

   4. For security reasons, we may require you to re-enter your Security Details or to confirm your identity to finalise Payment Instructions or access certain functions in the App.
      
      

   5. This Agreement applies individually to each Transfer.
      
      

   6. Our Services are for your personal use only. You must not use your account for business or commercial purposes.
      
      

   7. The Service may not be available to residents of certain provinces or territories of Canada. Please check our website and/or App frequently to see whether your province or territory of residence has been added to the list of eligible jurisdictions.

3. YOUR OBLIGATIONS
   
   

   1. You must be at least 18 years old, or the age of majority in your province or territory of residence, to use our Services. If you are using our services from Brazil, our Brazilian User Agreement applies to you.
      
      

   2. We must do security and customer due diligence checks on you. These are required by law. This may involve verifying your address and personal details to confirm your identity. We may pass your personal information to a credit reference agency, who may keep a record of it. We may also verify the identity of a recipient.
      
      

   3. You agree:
      
      

      1. to provide us with accurate and truthful information about your and the designated recipient’s identity and any identity documents we ask for;
         
         

      2. to promptly update your personal information if it changes;
         
         

      3. to comply with any requests for further information and documents we require; and
         
         

      4. that we may, directly or through any third party, investigate the information you provide to us, including checking commercial databases or credit reports.
         
         

   4. You must make every effort to keep your Security Details safe and prevent unauthorised access to the Services by:
      
      

      1. ensuring that only you access the Services using your account;
         
         

      2. changing your password regularly and ensure that it is not reused for other online services;
         
         

      3. not sharing your Security Details with anyone, including us, and letting us know immediately if anyone asks you for your Security Details;
         
         

      4. setting up 2-step authentication where prompted;
         
         

      5. if you use biometrics (e.g. fingerprint or face identification) to authenticate actions in the App, make sure only your biometrics are registered and can be used in the App;
         
         

      6. keeping your email account secure and letting us know immediately if your email address becomes compromised;
         
         

      7. contacting us immediately if you suspect your Security Details have been stolen, lost, used without your authorisation, or otherwise compromised. If this happens you should change your details straight away.
         
         

   5. To contact us urgently, use the “Support” section of the App and/or the “Contact us” section of our website. Any delay in telling us affects the security of your account and data (including your Payment Method) and may make you responsible for any financial losses.
      
      

   6. You must not:
      
      

      1. use our Services in connection with illegal activity, including but not limited to money-laundering, fraud, breach of applicable sanctions law and the funding of terrorist/proliferation activities and/or organisations;
         
         

      2. use our Services in connection with sexually oriented materials or services, gambling activities, or buying or selling tobacco, tobacco-related products, firearms, non-prescription drugs or other controlled substances;
         
         

      3. misuse our Services for example by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful or attempt to gain unauthorised access to our website, our servers, computers or databases;
         
         

      4. register more than one account with us;
         
         

      5. use our Services for speculative trading;
         
         

      6. use the Services to send Transfers on behalf of someone else;
         
         

      7. let someone else use your Security Details to use your account. If you do, we will have to assume it’s you and we will not be responsible for any losses you incur as a result of misuse or disclosure of information about your account by that other person;
         
         

      8. send or receive what we believe to be potentially fraudulently gained funds;
         
         

      9. provide false, inaccurate, or misleading information;
         
         

      10. refuse to verify any information you provide to us, including proof of identity, or refuse to co-operate in any investigation; or
          
          

      11. fund a Payment Instruction from a bank account that is not held in your own name, or direct an Interac Request to an email address that you do not control; or
          
          

      12. request a chargeback on a Payment Method you have used for a Transfer in any way that may be illegitimate or abusive. Your bank will usually expect you to try to resolve these issues with us first before seeking a chargeback.
          
          

   7. You must treat all our staff and representatives with courtesy and respect. Abusive, threatening, harassing, or otherwise offensive behaviour — whether verbal, written, or physical — will not be tolerated under any circumstances;
      
      

   8. To the extent permitted by applicable law, we do not accept any liability for loss or damages to you or any third party resulting from non-payment or delay in payment of a Payout Amount to a recipient or failure to perform a Transfer under the Service if you are in serious breach of your obligations listed in this Section 3, or if the foregoing non-payment, delay or failure is caused by a Service Provider.

   9. When you are using the Service under this Agreement, it is your responsibility to make sure all the details are accurate before submission. You will be given the opportunity to confirm Payment Instructions before submission, and you must check the details carefully.

4. TAPTAP SEND PAYMENT SERVICES
   
   

   1. To make Payment Instructions in the App, you must:
      
      

      1. provide information about your Transfer including the amount to be transferred. Depending on the details of the Transfer, you must also provide recipient information that we request from you in the app, such as their:
         
         

         1. sort code and account number;
            
            

         2. mobile phone number associated with their own Service Provider account;
            
            

         3. IBAN (International Bank Account Number); or
            
            

         4. wallet address / ID.
            
            

      2. use a Payment Method, which is accepted in the App;
         
         

      3. provide us with any additional information we may request relating to the Payment Instruction;
         
         

      4. authenticate the Payment Instruction; and
         
         

      5. confirm the Payment Instruction, this will be your consent to us for making the payment.
         
         

   2. We will treat a Payment Instruction as received at the time you submit the Payment Instruction.
      
      

   3. When you submit a Payment Instruction you authorise us to debit your Payment Method and initiate the Transfer. Once we receive the Payment Instruction we will start to execute the Transfer immediately. You cannot cancel or change it after it has been submitted.
      

   4. Paying by Interac e-Transfer. If you select Interac e-Transfer as your Payment Method:
      

      1. W
         e will send a payment request (an "Interac Request") to the email address you confirm in the App. You are responsible for making sure that email address is correct, belongs to you, and is registered with your financial institution for Interac e-Transfer;
         

      2. You authorise us to debit your Payment Method when you approve the Interac Request in your financial institution's online or mobile banking service. Your approval of the Interac Request is your consent to the payment. Section 4.2 does not apply; instead we will treat your Payment Instruction as received, and will begin to execute the Transfer, only once we have received cleared funds from your financial institution;
         

      3. If you do not approve the Interac Request
         within 7 days,
         or your financial institution declines or does not complete the payment, your Payment Instruction will be cancelled and no Transfer will be made. We are not responsible for any delay or loss resulting from a delayed, declined or unfulfilled Interac Request;
         

      4. You must fund the Interac Request from an account held in your own name. We may cancel the Payment Instruction and return the funds if the name on the funding account does not match the name on your Taptap Send account;
         

      5. Your financial institution sets limits on Interac e-Transfer payments (including daily and per-transaction limits) and may apply its own terms and fees. We are not responsible if a payment fails because it exceeds those limits or breaches those terms; and
         

      6. The exchange rate and fees shown to you in the App when you submit a Payment Instruction will apply
         provided we receive cleared funds within 24 hours
         . If funds are received after that time, we may cancel the Payment Instruction and return the funds to you.
         

   5. You must make sure the Payment Instruction is accurate. For example, if you provide the wrong recipient details you will send the payment to the wrong account. We will do our best to help you get your money back, but you will be responsible for any loss if we are unable to. Therefore, it is important you check your instruction carefully before submitting it.
      
      

   6. You are responsible for making sure that your designated recipients are legitimate/genuine. While we are committed to fighting fraud and will try to support you if you are subject to a scam, we are not responsible for loss or damages resulting from payments or transfers made by you to fraudulent third parties.

   7. Once we have sent the funds to the recipient’s Service Provider, they will be responsible for making the funds available to the recipient. Sometimes, this can be delayed if the recipient’s Service Provider needs to undertake enhanced anti-money laundering checks on the transfer. Delivery times quoted on our website (or elsewhere) are representative for the “normal”/average service and are not a guarantee of an individual Transfer time.

   8. We are not obliged to process any particular Transfer. When you submit a Payment Instruction, you are requesting that we process the Transfer on your behalf and consenting to the execution of the Transfer. We may, in our sole discretion, choose whether or not to accept the offer to process that Transfer (in accordance with Section 6).

   9. While our Service is generally able to send Transfers quickly, the recipient’s account provider will receive the money, at the latest, within four (4) working days after we accept the Payment Instruction. Please note that each Service Provider acts independently from us and that we assume no liability for their actions or omissions.

   10. If you have made a Transfer for cash pick-up and the cash is not picked up by the recipient within 30 days of when it was first made available, you authorise us to transfer the funds back to you. This is subject to the timings and conditions set by our payment processing partners.
       
       

   11. If your Payment Method fails but we successfully deliver your Transfer, you agree to re-authorise the payment to us, or use an alternative Payment Method to ensure that you pay us the full amount owed to us promptly.
       
       

   12. You may set up a recurring Transfer by entering the recipient details, the frequency of the Transfer and amount. We may need to ask for other information too. If a Transfer is scheduled to be paid in the future (like a recurring Transfer), you can cancel it in the App at any time before the end of the day, the day before it is due to be sent.
       
       

   13. When you send a Transfer to a business to pay for goods/services you, you acknowledge that:
       
       

       1. we are not an agent of the recipient;
          
          

       2. we are not responsible for the content or any mistakes in the invoices or other communications you receive from the recipient about the amounts you owe them;
          
          

       3. we are not party to agreements between you and the recipient, and we do not determine any payment terms;
          
          

       4. we are not responsible if you do not complete a payment to a recipient;
          
          

       5. we are not responsible for the quality or delivery of any goods or services paid for by a Transfer;
          
          

       6. we are not responsible for mediating disputes or enforcing any underlying arrangements you have with a recipient paid for by a Transfer;
          
          

       7. bills paid through the Billpay section of the App can only be processed to a recipient with a valid reference number. If you enter the wrong reference number, you may send the Transfer to the wrong account and lose your money; and
          
          

       8. payment to us for a Transfer does not constitute payment to a recipient. It may take several business days for a recipient to reflect a payment made through the App in their customer account systems.
          
          

5. OUR RIGHT TO LIMIT, DELAY, REFUSE OR SUSPEND A PAYMENT OR THE SERVICES

Limits

1. We may limit the amount you can send to recipients.
   
   

2. We may apply limits to your Transfers. These limits may apply to each Transfer or to a combined total of transfers. We may make limits applicable to your account or to your Payment Method. We might also limit the amount of currency you can exchange at any time.

Delays

3. We may delay or suspend a Service for the following reasons (but not limited to):
   
   

   1. to verify your identity;
      
      

   2. to respond to security alerts which we receive in relation to your account;
      
      

   3. to validate your Payment Instruction;
      
      

   4. if we suspect you may be scammed into making a Transfer;
      
      

   5. due to system outages within our Service Providers; and/or
      
      

   6. to comply with applicable law.

Refusing a Payment Instruction or suspending the Services

4. We may refuse to carry out any Payment Instruction, carry out a transaction or suspend your use of the Services if we believe that:
   
   

   1. it would put you over any applicable limits;
      
      

   2. the Payment Instructions contains incomplete, incorrect or improperly formatted information;
      
      

   3. it would break this Agreement;
      
      

   4. where we suspect someone else is trying to use your Payment Method or the Services without your permission;
      
      

   5. we reasonably believe it to be fraudulent or suspicious (including where we suspect that you may be a victim of a scam);
      
      

   6. we reasonably believe you may be acting illegally; or
      
      

   7. we are required to do so by applicable law.
      
      

5. We will inform you before or immediately after such refusal or suspension. We will provide our reasons for doing so unless this is against the applicable law or would compromise our security measures.
   
   

1. REFUNDS

Transfers

1. You may be entitled to a refund in some cases. You must notify us without undue delay, and in any event no later than thirteen (13) months of the Transfer occurring if:
   
   

   1. you didn’t authorise it; or

   2. we have made a Transfer late; or

   3. we fail to send a Transfer to the right recipient and/or for the right amount, as set out on your confirmed Payment Instruction.

2. We will also refund a Transfer if required by applicable law, or if the issuer of your Payment Instrument requires it.

3. However, we will refuse a refund if we can show that:
   
   

   1. you have acted fraudulently;
      
      

   2. you intentionally or with gross negligence did not take reasonable steps to keep your Security Details secret;
      
      

   3. you request a refund of a Transfer that took place before you told us that your Security Details have been compromised;

   4. we can show the designated recipient received the money into their account at the Service Provider; or

   5. there was a mistake in the Payment Instruction (e.g. the recipient’s account details).
      
      

4. You must make your refund request as soon as you see the issue, and no later than thirteen (13) months after the Transfer. A request for a refund of a Transfer must be emailed to us using the address in the About Us section of the website, and include your full name, address, and phone number, together with the Transfer number, amount of the Transfer, and the reason for your refund request.
   
   

If we have sent the Transfer in accordance with your Payment Instruction, and that information was incorrect, we are not responsible for the error. We will make reasonable efforts to help you to recover the funds, if possible. We may charge you a reasonable fee, to cover the cost of doing so.

Any refunds will be credited back by default to the Payment Instrument used to fund the Transfer, in the same currency used to fund the Transfer. We may require you to provide additional details to process the refund.

We are not responsible for refunding transfers made to pay for goods or services unless Section 7.1 above applies. The recipient of the payment must determine your eligibility for a refund. You, therefore, should contact the recipient directly.

OUR RESPONSIBILITY

1. We agree to provide the Services to you using reasonable care. You acknowledge that the Services may not be available, in whole or in part, in certain countries or regions.

2. Where we have materially breached this Agreement causing a loss to you, we will refund you the transfer amount and any fee charged. Any claim for compensation made by you must be supported by any available relevant documentation.

3. We do not, in any event, accept responsibility for damages as a result of:
   
   

   1. any failure to perform the Services due to abnormal and unforeseen circumstances outside our reasonable control, which may for example include delays or failures caused by problems with a third party system or network (including those of our Service Providers), mechanical breakdown or data-processing failures, industrial action, riots, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks (including without limitation power failures, mobile network failures and Internet disturbances);
      
      

   2. any non-payment or delay in payment if you are in serious breach of this Agreement;
      
      

   3. a Service Provider;
      
      

   4. us meeting our obligations under any applicable laws, rules, or regulations;
      
      

   5. the acts or omissions of a Payment Method Provider, including any delay or failure by your financial institution or Interac Corp. to deliver, process or complete an Interac Request or an Interac e-Transfer refund;
      or
      
      

   6. errors on the website or with the Services caused by incomplete or incorrect information provided to us by you or a third party.

4. DOES NOT APPLY IF YOU RESIDE IN QUEBEC. If any loss that you suffer is not covered by a right to payment under Section 7, to the maximum extent permitted by applicable law, we expressly limit our liability for that loss to the greater of: (i) the amount of any Service Fee that was paid to us; and (ii) CAD$500. This liability cap applies to any single Transfer, act, omission or event and to any number of related Transfer, acts, and omissions or events.

5. DOES NOT APPLY IF YOU RESIDE IN QUEBEC. Notwithstanding anything in this Agreement to the contrary, to the maximum extent permitted by applicable law, we shall not be liable under any theory of tort, contract, unjust enrichment, strict liability or other legal or equitable theory for lost profits, lost revenues, lost business opportunities, aggravated, exemplary, punitive, special, incidental, indirect or consequential damages, each of which is excluded by us, regardless of whether or not we had foreseen, or could have foreseen, or has been advised of, the possibility of such damages.
   
   

6. We are not responsible for any funds after they are made available to a recipient (whether in the recipient’s account or for collection via a Service Provider).
   
   

7. We supply our Services to you for personal use. If you use our Services for commercial, business or resale purposes, neither we or our Service Providers (including our and their group companies, officers, agents, partners, contractors and employees) have any liability to you for lost profit, lost revenues, lost business, business interruption or lost business opportunity, or indirect or consequential damages. This is regardless of whether or not we had foreseen, or could have foreseen, or had been advised of, the possibility of such damages.
   
   

1. CHANGES TO THE AGREEMENT
   
   

   1. We may make changes to this Agreement for any of the following reasons:
      
      

      1. because of a change in legal or regulatory requirements;
         
         

      2. if the change benefits you or we think it will make the Agreement easier to understand;
         
         

      3. to reflect a change in our costs of providing you with the Services;
         
         

      4. to reflect changes in the way our business is run, particularly if the change is needed because of a change in our industry that affect how we want to deliver the Services to you;
         
         

      5. in response to possible security risks relating to the Services;
         
         

      6. because we are changing or introducing new services or products; or
         
         

      7. to respond to any other change that affects us, if it is fair to pass on the effects of the change to you.

   2. We may make reasonable and proportionate changes for any other reason we cannot foresee, for example to respond to changes in our industry that affect how we wish to deliver our Service to you. If we do, we will let you know of upcoming changes via announcements sent to the email address you provided or by posting a notice on our website.

   3. By accessing or using the App or Service after the effective date of the change it will mean that you have agreed and consented to the change. An-up-to date version of this Agreement will be available on our website (www.taptapsend.com). If at any time this Agreement is no longer acceptable to you, please immediately cease all use of the App and the Service.
      
      

2. ENDING THE AGREEMENT
   
   

   1. This Agreement will continue until you or we end it. If you want to close your account, you should withdraw your funds within a reasonable time before your account closes.
      
      

   2. You can end this Agreement for free, at any time by emailing us.

   3. Except as provided below, we can terminate this Agreement and your access to the Service at any time, with two (2) months’ notice.

4. We can end this Agreement and your access to the Services immediately if:

   1. we reasonably believe you are using the Services fraudulently or illegally;

   2. we must do so under any law, regulation, court order or ombudsman’s instructions;

   3. if you haven’t given us any information we need to help us meet our legal and regulatory obligations to prevent financial crime, or we reasonably believe that information you have provided is incorrect or not true; or
      
      

   4. if you have broken this Agreement in a serious or persistent way, and you haven’t put the matter right within a reasonable time of us asking you to.
      
      

5. We will inform you if we end the Agreement immediately as soon as we can, if the law allows.
   
   

6. After this Agreement ends, you will not be able to make any new Payment Instructions to us. We will finish processing Payment Instructions that you made the Agreement ends. Your payment obligations to us, if any, will continue after the Agreement ends.
   
   

1. COMPLAINTS
   
   

   1. If you have a complaint about the Services, please contact our Customer Service Team by going to “Support” in the App. We will acknowledge receiving your complaint promptly and will do our best to resolve your complaint as soon as possible.

11. FEES AND EXCHANGE RATES
    
    

    1. When you use a Service which requires a currency conversion, we will apply our standard exchange rate (which we may change at any time) and any applicable fees at the time of that conversion. Our fees and live exchange rates are on our website and in the App. We will provide you with disclosures notifying you of the fee to be charged (if any), any applicable taxes to be charged by us, and the applicable exchange rate you will receive.
       
       

    2. Our exchange rate is the rate set by us for the relevant currency pair and Service, which can change depending on the timing and details of each transaction. We will use the exchange rate that we set on the transaction date. The exchange rate we use is based on generally available interbank rates we are able to obtain for the foreign currency plus, in some cases, a margin and/or fee. The exchange rate we are able to obtain and which we use for foreign currency will change regularly to reflect the currency fluctuations in the foreign exchange market. There may be a difference between the exchange rate at which we buy a currency and the exchange rate that we provide to you for that currency.
       
       

    3. If we charge a fee, it may vary based on the type of Transfer you are attempting (e.g. based on the destination of you and the recipient and the amount you wish to send). You must pay us any fees due. Fees are due when you send your Payment Instruction. Our fees are not refundable, except where we are unable to complete your Transfer after receiving your funds or where Section 7.2 applies
       . We will tell you the exact amount you must pay in the App before you confirm your Payment Instruction.
       
       

    4. Others might impose taxes, fees or charges on you, e.g. for use of a particular Payment Method to fund a Transfer.
       
       

    5. Others might impose taxes, fees or charges on the recipient, e.g. a Service Provider may charge the recipient a fee to withdraw the Transfer funds.
       
       

    6. We may charge you for our costs associated with any chargebacks you make or attempt which are not in accordance with this Agreement.
       
       

12. INTELLECTUAL PROPERTY
    
    

    1. All rights, title and interest in and in relation to the App, the Services, our business, any other software including but not limited to our website, any APIs, code, data, content, specifications, as well as copyrights, patents, industrial design, trade secrets, confidential information, data, database rights, trademarks, and service marks, are owned by us, our affiliates, or relevant third parties. To the extent you obtain any such rights, whether by operation of law or otherwise, you hereby assign, and agree to assign, such rights to us, and to waive all moral rights relating thereto.
       
       

    2. You can only use the App and the Services for the purposes permitted by this Agreement or otherwise specified by us in writing. We authorise you only to view and keep a copy of the pages of our website or the App for your own personal use. You may not duplicate, publish, modify, improve, commercialize, create derivative works from, participate in the transfer or sale of, post on the internet (whether for revenue generation, for non-commercial use or for any other reason), or in any way use, distribute or exploit the Taptap Send website, App, Services, or any portion thereof for any public or commercial use without our express written permission. You may not: (i) use any robot, spider, scraper, or other manual or automated device (including without limitation any artificial intelligence software or service) to access the App or the Services or to train or provide inputs to any artificial intelligence software or service; and/or (ii) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Taptap Send website (or printed pages of the website).
       
       

    3. The name “Taptap Send” and other names trademarks, and other indicia of ownership and/or source of Taptap Send’s business, products and/or services, including without limitation as referred to on the Taptap Send website, are our intellectual property (including without limitation trademarks) or the intellectual property (including without limitation trademarks) third parties. Other products, services and company names appearing on the website may include the intellectual property of third parties (including without limitation trademarks) , and therefore you shall not use, copy, modify or reproduce them in any way.
       
       

13. ELECTRONIC COMMUNICATIONS
    
    

    1. We are required to provide certain information to you in writing. By accepting this Agreement, you agree that we can communicate with you electronically either by email or by posting notices on the website.
       
       

    2. We are not able to provide communications on paper. You may withdraw your consent to receive communications electronically at any time, but if you do, your account will be closed. To withdraw your consent, please contact us by using the “Support” section of the App.
       
       

    3. This Agreement is available for you at any time via the App or on our website. We can also email you a copy if you ask us.
       
       

    4. You may view your transaction history and statements by logging into your account in the App. Please check these regularly and let us know immediately if you don’t recognise a transaction or think we have made a payment incorrectly.
       
       

    5. If we have to contact you about a fraud or security threat, we will call your mobile number or email you.
       
       

    6. In the event of a conflict between information on the App and information on our website, please rely on the information on the App.
       
       

14. GENERAL

    1. Governing Law:

DOES NOT APPLY IF YOU RESIDE IN QUEBEC. This Agreement will be governed by and construed in accordance with the laws in force in the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to any conflict of law principles, and notwithstanding your domicile, residence or physical location. You consent and submit to the exclusive jurisdiction of the courts located in British Columbia, with respect to any disputes arising out of or relating to the Use of the App or Services and this Agreement.

APPLIES IN QUEBEC ONLY. If you reside in the Province of Quebec, this Agreement will be governed by and construed in accordance with the laws in force in the Province of Quebec and the federal laws of Canada applicable therein. The courts of Quebec shall have exclusive jurisdiction in any dispute arising out of or relating to the use of the App or Services or otherwise in connection with this Agreement.

2. All personal data provided to us will be treated in accordance with our Privacy Policy )available at www.taptapsend.com/privacy-policy), which forms part of this Agreement. We may be required by law to provide information about you, your use of the Service and your Payment Instructions to government or other competent authorities as described in our Privacy Policy. You acknowledge and consent to us doing this. We may, as necessary in providing the Service, store all information required of a recipient to prove his or her identity or associated with their specific Payment Instruction.
   
   

3. Nothing expressed or referred to in this Agreement will be construed to give any person other than the parties to this Agreement any legal or equitable right, remedy or claim under or with respect to this Agreement or any provision of this Agreement. This Agreement and all of its provisions are for the sole and exclusive benefit of the parties to this Agreement and their successors and permitted assigns.

4. The parties confirm that it is their express wish that this Agreement and all related documents be written in English and/or the language in which you opt to use the App. This Agreement is available in both French and English language versions. The French version can be accessed by clicking here. Les parties confirment qu’il est de leur volonté expresse que la présente convention et tous les documents qui s'y rattachent soient rédigés en anglaise et/ou dans la langue dans laquelle vous choisissez d'utiliser l'application. La présente convention est disponible en français et en anglais. La version française est accessible en cliquant ici. While we do our best to translate the App and other communications, it is the interpretation in English that ultimately applies

5. If you break the Agreement and we don’t take action right away, we can still enforce our rights later.
   
   

6. You may not transfer any of your rights or obligations under this Agreement to anyone else. We may transfer or assign this Agreement and/or any/all of our rights under this Agreement at any time without your consent.
   
   

7. This Agreement (including any documents, materials, information or policies expressly incorporated by reference herein) is the entire agreement between you and us. It replaces any earlier understandings, agreements, or discussions between you and us about the subject matter of this Agreement, use of the App and/or our Services.
   
   

8. If any part of this Agreement is found to be void, illegal or unenforceable by a court of competent jurisdiction, the remaining portions of the Agreement will not be affected.
   
   

9. Our relationship with you under this Agreement is as a payment service provider, and Taptap Send is not your agent or trustee.