Please read these Terms carefully before using Paiisay's remittance and payment services. By using our services, you agree to be bound by these Terms.
These Terms of Service ("Terms") govern your access to and use of the services offered by Encore Payment Technologies Ltd., formerly known as B-Liquid Cryptos Ltd., operating under the brand name Paiisay ("we," "us," or "our").
We are a Money Services Business (MSB) registered with FINTRAC (Registration No. M23402268), incorporated in British Columbia, Canada, with our registered office at 5577 153A Street, Suite 207, Surrey, BC, Canada V3S 5K7.
By registering for, accessing, or using our services, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use our services.
To use Paiisay's services, you must:
Paiisay currently offers, or is in the process of launching, the following services:
We reserve the right to modify, suspend, or discontinue any service at any time with reasonable notice.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at support@paiisay.com of any unauthorised use of your account.
We reserve the right to suspend or terminate your account if we have reasonable grounds to believe it has been compromised or used in violation of these Terms or applicable law.
As an MSB regulated by FINTRAC, we are legally required to verify the identity of our customers before providing services. You agree to provide all requested identification documents and information. We reserve the right to decline service if verification requirements are not met.
Applicable fees and indicative exchange rates will be disclosed to you before you confirm a transaction. Exchange rates are indicative and may fluctuate; the rate applied will be the rate available at the time your transaction is processed. We do not guarantee any particular exchange rate.
Transactions may be subject to minimum and maximum limits as required by our regulatory obligations or operational policies. Processing times may vary depending on the destination country, recipient bank, and applicable checks. We are not liable for delays caused by third-party payment networks or recipient financial institutions.
You must not use Paiisay services to:
Violation of these prohibitions may result in immediate account suspension, transaction reversal where possible, and reporting to the relevant authorities.
You may request cancellation of a pending transaction before it has been processed. Once a transaction has been executed and funds transferred, cancellation may not be possible. Refunds, where applicable, will be processed in accordance with our cancellation policy and applicable regulations. Fees may not be refundable in all circumstances.
To the fullest extent permitted by applicable law, Paiisay and Encore Payment Technologies Ltd. shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services. Our total liability for any claim arising from these Terms shall not exceed the amount of fees paid by you in the three (3) months preceding the claim.
These Terms are governed by and construed in accordance with the laws of British Columbia, Canada, and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of British Columbia, Canada.
We reserve the right to update these Terms at any time. We will notify you of material changes by posting the updated Terms on our website. Continued use of our services after such changes constitutes your acceptance of the revised Terms.
For questions or concerns regarding these Terms, please contact us at:
Encore Payment Technologies Ltd.
5577 153A Street, Suite 207, Surrey, BC, Canada V3S 5K7
Email: support@paiisay.com
Encore Payment Technologies Ltd. (operating as Paiisay) is a Money Services Business (MSB) licensed by FINTRAC, Canada (Registration No. M23402268).