Terms and Conditions

Effective Date: July 1st, 2025

Welcome to MRC PAY. These Terms and Conditions ("Terms") govern your access to and use of the website mrc-pay.com ("Website") and the services provided by MRC Pay International Corp. and its affiliates (collectively, "MRC PAY", "we", "us", or "our"). By accessing or using our Website and services, you agree to be bound by these Terms.

If you do not agree with these Terms, do not access or use the Website or our services.

1. Eligibility

To use MRC PAY services, you must:

• Be at least 18 years of age (or the legal age in your jurisdiction).
• Have full legal capacity to enter into contracts.
• Not be subject to any restrictions under applicable laws or regulations.

By using our services, you represent and warrant that you meet these requirements.

2. Services

MRC PAY provides financial technology services, including (but not limited to):

• International money transfers
• Cross-border payments
• Foreign exchange
• Stablecoin and digital asset settlement services (subject to compliance)

The availability of services may vary by country and is subject to verification, compliance checks, and regulatory approvals.

3. User Obligations

You agree:

• To provide accurate, current, and complete information.
• Not to use our services for unlawful, fraudulent, or prohibited activities.
• To comply with all applicable laws, including AML (Anti-Money Laundering), CFT (Counter Financing of Terrorism), and sanctions regulations.
• To maintain the confidentiality of your account credentials.

We reserve the right to suspend or terminate your account if any information provided is inaccurate or if you violate these Terms.

4. Account Registration

To access certain services, you may need to register and create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

We may require you to complete KYC (Know Your Customer) and due diligence processes before activating or continuing your use of the services.

5. Fees and Rates

Fees, exchange rates, and other charges may apply when using our services. These will be clearly disclosed before you confirm a transaction. By proceeding, you agree to pay all applicable fees and accept the stated rates.

6. Intellectual Property

All content, trademarks, logos, graphics, and materials on the Website are the intellectual property of MRC PAY or its licensors. You may not copy, reproduce, modify, or distribute any content without our prior written consent.

7. Prohibited Activities

You may not use our services for:

• Money laundering or terrorist financing
• Fraud or tax evasion
• Dealing in illegal goods or services
• Cryptocurrency mixing/tumbling or unregulated exchanges
• Transactions involving sanctioned countries or individuals

We report suspicious activities to the relevant authorities as required by law.

8. Privacy

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

9. Disclaimers

MRC PAY provides services on an "as is" and "as available" basis. We do not guarantee that the Website or services will be error-free, secure, or uninterrupted. We are not liable for delays or failures caused by events beyond our control, including network outages or regulatory issues.

10. Limitation of Liability

To the maximum extent permitted by law, MRC PAY shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of data, profits, or revenues
• Unauthorized access or use of your account or data

Our total liability shall not exceed the amount you paid us in the 12 months prior to the claim.

11. Indemnification

You agree to indemnify and hold harmless MRC PAY and its affiliates, officers, directors, and employees from any claims, damages, or losses arising from your use of the services or violation of these Terms.

12. Modifications

We may update these Terms at any time by posting a revised version on the Website. Changes will be effective upon posting. Continued use of our services after such changes means you accept the revised Terms.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario, Canada. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

14. Contact Us

If you have questions about these Terms or our services, please contact:

MRC Pay International Corp.
116 Albert Street, Suite 300
Ottawa, Ontario, K1P 5G3, Canada