Terms of Service

These Terms of Service ("Terms") govern your access to and use of the services provided by EPG ("Company," "we," "us," or "our"), including our website and any related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

You represent and warrant that you have the legal capacity to enter into these Terms, including that you are at least 18 years of age and, if entering into these Terms on behalf of a business, that you have the authority to bind that business to these Terms.

EPG is a Money Services Business registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). We provide the following services:

• Foreign exchange dealing
• Money transfer and remittance services
• Virtual currency exchange and transfer services
• Issuing and redeeming money orders and payment instruments

Important: Registration with FINTRAC is not an endorsement or license. FINTRAC does not issue licenses or certificates to Money Services Businesses. Registration means we have fulfilled the legal requirements to operate as an MSB in Canada.

To use certain Services, you must register for an account. During registration, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Promptly notify us of any unauthorized use or security breach

We may require you to complete identity verification (KYC/KYB) before providing certain services. This may include providing government-issued identification, proof of address, and other documentation.

As a regulated Money Services Business, we are required to comply with various laws and regulations, including:

• Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
• FINTRAC reporting and record-keeping requirements
• Sanctions regulations administered by Global Affairs Canada
• Applicable provincial money services business regulations

You agree to comply with all applicable laws and regulations and not to use our Services for any illegal or unauthorized purpose, including money laundering, terrorist financing, fraud, or other criminal activities.

Exchange Rates: Foreign exchange rates are quoted in real-time and are subject to market fluctuations. Rates are confirmed at the time of transaction execution.

Fees: Fees for our Services are disclosed at the time of transaction. You agree to pay all applicable fees associated with your use of the Services.

Transaction Limits: We may impose transaction limits based on your account type, verification level, or regulatory requirements.

Cancellation: Once a transaction is confirmed and processed, it may not be cancellable. Specific cancellation policies will be disclosed at the time of transaction.

Foreign Exchange Risk: Currency exchange rates fluctuate based on market conditions. You may receive more or less in converted currency than originally expected due to rate movements.

Virtual Currency Risk: Virtual currencies are highly volatile and speculative. The value of virtual currencies can fluctuate significantly and may result in substantial losses. Virtual currencies are not legal tender and are not backed by any government.

Regulatory Risk: Regulatory requirements for money services and virtual currencies are evolving. Changes in regulations may affect our ability to provide certain services.

You agree not to use our Services to:

• Violate any applicable law or regulation
• Facilitate money laundering, terrorist financing, or other crimes
• Evade sanctions or export controls
• Commit fraud or engage in deceptive practices
• Infringe on the intellectual property rights of others
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt our Services or systems
• Attempt to gain unauthorized access to our systems

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our Services.

Our total liability for any claims arising from these Terms or your use of the Services shall not exceed the greater of (a) the amount of fees you paid to us in the twelve months preceding the claim, or (b) CAD $1,000.

You agree to indemnify and hold harmless EPG and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the Services or violation of these Terms.

We may suspend or terminate your account and access to Services at any time, without prior notice, for any reason, including:

• Violation of these Terms
• Suspicious or fraudulent activity
• Regulatory or legal requirements
• Extended account inactivity

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last updated" date. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the courts of Ontario.

For questions about these Terms, please contact us at:

EPG

Email: legal@epmsb.com