Version 1.0

TERMS OF USE

1. Introduction

These Terms of Use (“Terms”) govern the access to and use of the online platform available through the website at https://finflare.com/ (the “Website” or the “Platform”), operated by ZERO BOOST PAYMENTS CORP., incorporation No BC1515420, at #250 - 997 Seymour St. Vancouver, BC, Canada V6B 3M1 (“COMPANY”), registered at FINTRAC as money service business under the No. C100000720 (the “Company”, “Website”, “Platform”, “we”, “us”, or “our”).

The Platform enables registered users to access information about cryptocurrency exchange services and to connect with third-party cryptocurrency exchange providers who offer such services.

The Website does not itself provide cryptocurrency exchange services, wallet services, custody services, brokerage services, or any other financial services.

Users who access or use the Platform agree to comply with these Terms.

2. Nature of the Platform

The Platform functions solely as a technical interface and access point that enables users to:

  • view cryptocurrency market rate information;

  • access exchange services offered by third-party providers;

  • transmit transaction requests and required information to such providers;

  • receive transaction records and confirmations.

The Platform:

  • does not perform cryptocurrency exchange transactions;

  • does not hold or custody user funds or digital assets;

  • is not a party to any cryptocurrency exchange transaction;

  • does not act as an agent, intermediary, or financial institution for the transaction itself.

Any cryptocurrency exchange transaction is performed exclusively by the relevant third-party exchange provider.

3. Third-Party Exchange Providers

The Platform enables users to access cryptocurrency exchange services provided by independent third-party providers, which may include, for example, Paybis and other similar licensed or regulated service providers (the “Exchange Providers”).

Each exchange transaction is conducted directly between the user and the relevant third-party Exchange Provider.

All such transactions are governed by the:

  • terms and conditions,

  • privacy policies,

  • risk disclosures, and

  • regulatory requirements

of the respective Exchange Provider.

Users must review and accept those terms before completing any transaction.

The Company is not responsible for and does not control:

  • the execution of transactions,

  • exchange rates applied,

  • payment processing,

  • custody of funds,

  • compliance procedures,

  • or decisions made by the exchange provider.

4. User Onboarding and Verification

Access to the Platform requires user registration and completion of onboarding procedures.

The onboarding process may include:

  • submission of personal or corporate information;

  • identity verification;

  • submission of identification documents;

  • screening against sanctions lists and other compliance databases;

  • anti-money laundering (AML) and counter-terrorist financing (CTF) checks;

  • other verification procedures required by law or internal risk policies.

Users may be required to complete additional verification procedures imposed by the relevant third-party exchange provider.

By registering on the Platform, users agree that the Company may:

  • collect and process identification and verification data;

  • share relevant information with exchange providers;

  • perform compliance checks.

The Company reserves the right to:

  • reject any onboarding request,

  • request additional documentation,

  • suspend or restrict an account,

  • terminate user registration,

where required for legal, regulatory, security, AML/CTF, fraud prevention, or risk management reasons.

The Company is not obliged to disclose the specific reasons for rejecting onboarding or terminating an account where such disclosure would conflict with legal or regulatory obligations.

5. User Accounts and Security

Users are responsible for maintaining the confidentiality and security of their login credentials, passwords, and other authentication mechanisms.

Users agree that:

  • all activities performed using their account credentials are deemed to be authorized by them;

  • any instructions transmitted through the account shall be legally binding.

Users must immediately notify the Company of any suspected unauthorized access or security breach.

The Company shall not be liable for losses resulting from:

  • compromised credentials,

  • unauthorized account access,

  • failure to maintain adequate security.

6. Fees

The Company may charge users fees for providing access to the Platform and related services.

Such fees may include:

  • service fees,

  • access fees,

  • processing fees,

  • other applicable charges.

These fees are separate from any fees charged by the Exchange Providers.

Exchange providers may charge additional fees, including:

  • exchange fees,

  • payment processing fees,

  • network fees,

  • spread or conversion fees.

The Company may also receive:

  • a share of fees charged by Exchange Providers,

  • referral compensation,

  • other commercial benefits.

Users acknowledge that these fees may be included in the pricing structure presented during the transaction process.

7. Processing and Sharing of Personal Data

The Company collects and processes user data in accordance with its Privacy Policy.

By using the Platform, users acknowledge and agree that their data may be:

  • processed for onboarding and verification purposes;

  • transmitted to Exchange Providers;

  • shared with payment processors, compliance providers, or regulatory authorities where required.

Users should review the Platform’s Privacy Policy for full information on data processing practices.

8. Transaction Execution and Provider Decisions

Exchange Providers may independently decide to:

  • approve or reject a transaction;

  • delay or cancel a transaction;

  • request additional verification.

Such decisions are made solely by the exchange provider.

The Company shall not be responsible or liable for:

  • rejected transactions,

  • delayed transactions,

  • pricing differences,

  • service interruptions at the exchange provider.

9. Cryptocurrency Risk Disclosure

Cryptocurrency transactions involve significant risks.

These risks include, but are not limited to:

  • high price volatility;

  • market liquidity risks;

  • technological risks;

  • network congestion;

  • irreversible transactions;

  • regulatory uncertainty;

  • cybersecurity risks.

The value of cryptocurrencies may fluctuate significantly and users may lose the entire value of their assets.

Cryptocurrency transactions are typically irreversible, and mistaken transfers may not be recoverable.

Users are solely responsible for evaluating whether cryptocurrency transactions are appropriate for their financial situation and risk tolerance.

The Company does not provide investment advice, financial advice, tax advice, or legal advice.

10. Platform Availability and Technical Disclaimers

The Platform and its services are provided “as is” and “as available”.

The Company does not guarantee that the Platform will be:

  • uninterrupted,

  • error-free,

  • secure,

  • free of technical failures.

The Company shall not be liable for disruptions caused by:

  • internet outages,

  • telecommunications failures,

  • software bugs,

  • cybersecurity incidents,

  • third-party service failures,

  • force majeure events.

Users acknowledge that electronic communication systems and information technology infrastructure may experience delays or failures.

11. Modification of the Platform

The Company reserves the right, at its sole discretion, to:

  • modify the Platform,

  • introduce new modules or functionalities,

  • redesign the Website,

  • change available services,

  • postpone or suspend certain features,

  • discontinue parts of the Platform.

Such changes may occur without prior notice where reasonably necessary.

The Company shall not be liable for any losses resulting from such modifications.

12. Intellectual Property

All intellectual property rights relating to the Platform, including:

  • software,

  • design,

  • trademarks,

  • logos,

  • content,

  • databases,

remain the exclusive property of the Company or its licensors.

Users are granted a limited, non-exclusive, non-transferable license to access and use the Platform for personal or business purposes in accordance with these Terms.

13. Prohibited Use

Users may not use the Platform for:

  • unlawful activities;

  • money laundering or terrorist financing;

  • fraud or deception;

  • sanctions violations;

  • market manipulation;

  • any activity that violates applicable laws.

The Company may suspend or terminate accounts involved in prohibited activities.

14. Limitation of Liability

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

  • losses arising from cryptocurrency market fluctuations;

  • actions or omissions of exchange providers;

  • rejected or delayed transactions;

  • losses caused by third-party systems;

  • indirect or consequential damages.

The Company’s liability is limited solely to the proper functioning of the Platform as a technical access interface.

15. Indemnification

Users agree to indemnify and hold harmless the Company, its directors, employees, and affiliates from any claims arising from:

  • misuse of the Platform,

  • violation of these Terms,

  • unlawful activities conducted through the user account.

16. Amendments to the Terms

The Company may update or amend these Terms from time to time.

The updated version will be published on the Website.

Continued use of the Platform after such updates constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Canada, without prejudice to any mandatory consumer protection provisions applicable in the user’s jurisdiction.

18. Contact Information

Users may contact the Company regarding these Terms through the contact details provided on the Website.