Last updated: May 2026
Welcome to the official website of SMART PAYMENTS TECHNOLOGIES LTD (“Smart Payments”, “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
“Company”, “Smart Payments”, “we”, “us”, “our” means SMART PAYMENTS TECHNOLOGIES LTD (MSB registration number: M20438511), incorporated in Canada, with registered office at 170-6660 Graybar Road, 2nd Floor, Office #8T, Richmond, British Columbia, Canada, V6W1H9.
“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 between Smart Payments and an approved merchant.
“Applicable Law” means all laws, regulations, regulatory guidance, and supervisory requirements applicable to Smart Payments, including applicable Canadian AML/CTF laws.
2. About Us
This Website is operated by:
SMART PAYMENTS TECHNOLOGIES LTD
170-6660 Graybar Road, 2nd Floor, Office #8T
Richmond, British Columbia, Canada, V6W1H9
Email: [email protected]
Smart Payments 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 informational purposes only. Nothing on this Website constitutes an offer of financial, payment, legal, or advisory services; a guarantee of service availability; or a binding commitment by Smart Payments.
3.2. Merchant services are governed exclusively by a separate Merchant Service Agreement concluded individually with each merchant. These Website Terms do not regulate the provision of payment services and do not replace any contractual obligations between Smart Payments 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, and 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. Smart Payments may restrict or terminate access to the Website at any time without prior notice. Smart Payments 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. You must not use the Website 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 Ontario, Canada, or your country of residence
- attempt to gain unauthorised access to the Website or its systems
- interfere with Website functionality or security measures
- use bots, scrapers, crawlers, automated tools, or similar technologies without our prior written consent
- 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. The name “Smart Payments” and all related marks are protected intellectual property.
8. Third-Party Links
8.1. The Website may contain links to third-party websites for your convenience. Smart Payments is not responsible for the content, accuracy, security practices, or availability of any external websites. Accessing third-party websites is at your own risk.
8.2. The inclusion of a link to a third-party website does not imply endorsement or any association with the operator of that website.
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 verification services, or provide financial, legal, or business advice.
9.2. Any commercial cooperation with Smart Payments is regulated solely by the Merchant Service Agreement, concluded individually with each merchant.
10. Privacy and 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. By using the Website, you acknowledge that you have read the Privacy Policy.
10.2. Our Privacy Policy is available on the Website at todapay.com. The Website may use cookies or similar technologies as described in our Cookies Policy, also available on the Website.
11. Website Availability
11.1. The Website is provided on an “as is” and “as available” basis. We do not guarantee that the Website will be free from errors, inaccuracies, or interruptions; operate without delays or security vulnerabilities; or always remain accessible.
11.2. We may update, suspend, or discontinue Website content at any time without prior notice and without liability.
12. Limitation of Liability
12.1. To the maximum extent permitted under applicable law, Smart Payments 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; or damages arising from third-party actions or cyber-attacks.
12.2. Nothing in these Terms limits liability that cannot be excluded or restricted under applicable law.
12.3. Nothing in these Terms limits or restricts Smart Payment’s obligations to comply with applicable laws, regulatory requirements, or lawful requests from competent authorities, including FINTRAC or other supervisory bodies.
13. Modifications to These Terms
Smart Payments may update these Terms from time to time. Changes become effective once posted on this page. The date of the latest revision is listed at the top of this document. We encourage you to check these Terms periodically. Continued use of the Website following any update constitutes your acceptance of the revised Terms.
14. Governing Law and Jurisdiction
These Terms are governed by the laws of the Province of British Columbia, Canada. Any disputes arising from or relating to these Terms shall be resolved exclusively in the courts of British Columbia, Canada.
15. Contact
For questions regarding these Terms or the Website, please contact us at:
SMART PAYMENTS TECHNOLOGIES LTD
170-6660 Graybar Road, 2nd Floor, Office #8T
Richmond, British Columbia, Canada, V6W1H9
Email: [email protected]