Website Terms & Conditions

Welcome to the official website of SMART PAYMENTS TECHNOLOGIES LTD (“TODA PAY”, “we”, “us”, or “our”). These Website Terms & Conditions (“Terms”) apply to your use of the website todapay.com (the “Website”).

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue your use of the Website.

1. Definitions

For the purposes of these Terms:

“Company”, “TODA PAY”, “we”, “us”, “our” means SMART PAYMENTS TECHNOLOGIES LTD.

“Website” means the website available at todapay.com and any associated subdomains.

“User”, “you”, “your” means any individual or legal entity accessing or using the Website.

“Merchant Service Agreement” means a separate legally binding agreement governing the provision of payment and related services.

“Applicable Law” means all laws, regulations, regulatory guidance and supervisory requirements applicable to the Company, including Canadian AML/CTF laws.

2. About Us

This Website is operated by:

SMART PAYMENTS TECHNOLOGIES LTD
28 - 19628 55A Avenue,
Langley, British Columbia, V3A 3X2, Canada
Email: info@todapay.com

TODA PAY provides payment-related services to merchants under separate commercial agreements.
This Website serves informational purposes only.

3. Informational Nature of the Website

3.1. All descriptions of services, products, or solutions displayed on this Website are for information purposes only.

Nothing on this Website constitutes:

• an offer of financial, payment, legal, or advisory services;
  
• a guarantee of service availability;
  
• a binding commitment by TODA PAY.
  

3.2. Merchant services are governed exclusively by a separate Merchant Service Agreement.
These Website Terms do not regulate the provision of payment services and do not replace any contractual obligations between TODA PAY and a merchant.

4. Acceptance of Terms

By using this Website, you confirm that you:

• have read and understood these Terms,
  
• agree to comply with them,
  
• will not use the Website for unlawful or prohibited activities.
  

If you disagree with these Terms, you must stop using the Website.

5. Eligibility and Access

5.1. The Website is available for general informational use.
You may not use the Website if applicable law prohibits you from accessing online resources of this nature.

5.2. TODA PAY may restrict or terminate access to the Website at any time without prior notice.

TODA PAY may conduct basic compliance, sanctions, or risk screening of information submitted through the Website, where required by Applicable Law.

6. Permitted and Prohibited Use

You may use the Website only for lawful, informational purposes and in connection with sanctioned, restricted, or illegal activities, or in violation of applicable AML, sanctions, or export control laws.

You must not:

• violate applicable laws of British Columbia or your country of residence;
  
• attempt to gain unauthorized access to the Website or its systems;
  
• interfere with Website functionality or security measures;
  
• use bots, scrapers, crawlers, automated tools, or similar technologies;
  
• copy, reproduce, distribute, or modify Website content without permission;
  
• upload or spread malicious code, viruses, or harmful materials;
  
• perform actions that may disrupt, overload, or damage Website infrastructure. 

7. Intellectual Property Rights

All Website content—including text, visuals, graphics, trademarks, branding elements, and layout—is the exclusive property of SMART PAYMENTS TECHNOLOGIES LTD, unless stated otherwise.

You may not use, copy, modify, or reproduce any part of the Website without our prior written consent.

“TODA PAY” and all related marks are protected trademarks.

8. Third-Party Links

8.1. The Website may contain links to third-party websites for your convenience.

8.2. TODA PAY is not responsible for:

• the content of external websites,
  
• their accuracy,
  
• their security practices,
  
• any loss or damage arising from accessing such resources.
  

8.3. Accessing third-party websites is at your own risk.

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9. No Financial or Payment Services Provided via the Website

9.1. This Website does not:

• conduct payment transactions,
  
• process funds,
  
• create merchant accounts,
  
• offer onboarding or KYC services,
  
• provide financial, legal, or business advice.
  

9.2. Any commercial cooperation with TODA PAY is regulated solely by the Merchant Service Agreement, concluded individually with each merchant.

10. Privacy & Data Handling

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

10.2. By using the Website, you acknowledge that you have read the Privacy Policy.

10.3. A link to the Privacy Policy must be included in the footer of the Website.

10.4. The Website may use cookies or similar technologies as described in the Privacy Policy.

11. Website Availability

11.1. The Website is provided on an “as is” and “as available” basis.

11.2. We do not guarantee that the Website will:

• be free from errors, inaccuracies, or interruptions,
  
• operate without delays or security vulnerabilities,
  
• always remain accessible.
  

11.3. We may update, suspend, or discontinue Website content at any time.

12. Limitation of Liability

12.1. To the maximum extent permitted under the laws of British Columbia, TODA PAY is not liable for:

• temporary or permanent unavailability of the Website;
  
• any technical errors, bugs, delays, or interruptions;
  
• reliance on Website content by any user;
  
• indirect, incidental, consequential, or punitive damages;
  
• loss of profit, revenue, opportunity, or data;
  
• damages arising from third-party actions or cyber-attacks.
  

12.2. Nothing in these Terms limits liability that cannot be limited under applicable law.

12.3. Nothing in these Terms shall limit or restrict TODA PAY’s obligations to comply with applicable laws, regulatory requirements, or lawful requests from competent authorities, including but not limited to FINTRAC or other supervisory bodies.

13. Modifications to These Terms

13.1. TODA PAY may update these Terms from time to time.

13.2. Changes become effective once posted on this page.
Please check periodically for updates.

The date of the latest revision is listed at the top of this document.

14. Governing Law & Jurisdiction

These Terms are governed by the laws of British Columbia, Canada.

Any disputes arising from or relating to these Terms shall be resolved exclusively in the courts of British Columbia.

15. Contact Information

For questions regarding these Terms or the Website, please contact us:

SMART PAYMENTS TECHNOLOGIES LTD
Email: info@todapay.com
Address: 28 - 19628 55A Avenue, Langley, BC, V3A 3X2, Canada