Terms of Use
Last updated: May 2026
These Terms of Use ("Terms") govern your preliminary interaction with, and access to, information about services provided by CARDSTREAM PAYMENT SYSTEMS LTD (MSB registration number: C100000953), incorporated in Canada under company registration number 1001161051, with registered office at 1907 Baseline Road, Unit 104, Ottawa, Ontario, K2C0C7, Canada, operating under the brand Cardstream ("Cardstream", "we", "us", or "our").
These Terms do not regulate the commercial provision of payment or related services. All such services are subject exclusively to a separately executed Merchant Service Agreement between Cardstream and the respective merchant.
By engaging with Cardstream in any form prior to the execution of a Merchant Service Agreement, including but not limited to submitting information, communicating with our team, requesting details about our services, or reviewing our materials, you agree to be bound by these Terms.
If you do not agree to these Terms, you must refrain from any form of interaction with Cardstream's services or materials.
1. Definitions
For the purposes of these Terms:
1.1. "Company", "Cardstream", "we", "us", "our" means CARDSTREAM PAYMENT SYSTEMS LTD, operating under the brand Cardstream.
1.2. "User", "you", "your" means any individual or legal entity interacting with Cardstream prior to the execution of a Merchant Service Agreement.
1.3. "Services" means only preliminary, non-operational, informational interactions and communications prior to the execution of a Merchant Service Agreement.
1.4. "Merchant Service Agreement" means a separate, binding agreement governing the provision of payment and related services, executed between Cardstream and an approved merchant.
1.5. "Pre-Contractual Information" means any materials, documentation, communications, presentations, or descriptions provided prior to the execution of a Merchant Service Agreement.
1.6. "Website" means the website operated under the domain cardstreampayments.com and related subdomains.
1.7. "Confidential Information" means any non-public information disclosed by Cardstream during pre-contractual interactions.
1.8. "Applicable Law" means all laws, regulations, regulatory guidance, and supervisory requirements applicable to Cardstream, including applicable Canadian
AML/CTF laws.
2. About Cardstream and Scope of These Terms
2.1. The Website, documentation, preliminary descriptions of services, and general informational materials are provided by:
CARDSTREAM PAYMENT SYSTEMS LTD
1907 Baseline Road, Unit 104, Ottawa, Ontario, K2C0C7, Canada
Email: info@cardstreampayments.com
2.2. These Terms govern your non-operational interaction with Cardstream's services, including:
communication with Cardstream representatives
submitting a merchant inquiry or application form
obtaining general information about services
receiving pre-contractual documentation or presentations
participating in consultations or evaluations prior to onboarding
2.3. These Terms do not grant access to the Merchant Portal, API, integration tools, operational systems, or payment processing services. Such access is available only after signing the Merchant Service Agreement.
2.4. These Terms do not modify, replace, or supersede any rights or obligations arising from the Merchant Service Agreement.
3. Eligibility and Initial Interaction
3.1. You may interact with Cardstream's services only if you:
are at least 18 years of age
represent a legal entity or business
have the legal capacity to provide information and enter into commercial discussions
3.2. Cardstream reserves the right to decline an inquiry or discontinue pre-contractual communications at any time, request any information for preliminary assessment, and refrain from engaging in discussions if risk, regulatory, or business concerns arise.
3.3. Submission of an application or request for information does not guarantee onboarding or approval as a merchant.
4. Nature of Services Prior to Agreement
4.1. All information provided by Cardstream prior to signing the Merchant Service Agreement is exclusively informational, non-binding, subject to change, and does not
constitute an offer of services or a guarantee of availability. No regulatory, contractual, fiduciary, or processing obligation shall arise prior to execution of the Merchant Service Agreement.
4.2. Cardstream may modify, update, restrict, or discontinue any aspect of the preliminary service description without notice.
4.3. No legal, financial, operational, or processing obligations arise prior to the signing of the Merchant Service Agreement.
5. User Responsibilities Prior to Onboarding
5.1. You agree to provide accurate, truthful, and complete information during any preliminary communication or application process.
5.2. You agree to refrain from:
submitting false or misleading details
attempting to bypass onboarding, compliance, or due diligence procedures
misrepresenting your business activities, owners, jurisdictions, or beneficial owners
using Cardstream's name or materials without authorisation
5.3. You acknowledge that Cardstream may conduct background, sanctions, or risk assessments based on information you submit.
6. Prohibited Activities
Prior to signing a Merchant Service Agreement, you must not:
attempt any form of access to Cardstream's operational systems, portals, or APIs
request or perform test transactions
attempt to obtain confidential or internal documentation
use Cardstream branding for commercial or promotional purposes
engage in activities that violate applicable laws or regulations
contact Cardstream with the intention to conduct restricted or unlawful business
Cardstream may discontinue communication or decline cooperation with any applicant who engages in prohibited activities or presents elevated compliance risk.
7. Confidentiality of Pre-Contractual Information
7.1. Any materials, descriptions, information, or communications shared by Cardstream during preliminary discussions are confidential and may not be disclosed to third parties, except where disclosure is required by applicable law, a regulatory authority, court order, or supervisory body, including FINTRAC or other competent
authorities.
7.2. You must not use Cardstream's materials or assessments for competitive analysis, service development, or any purpose unrelated to potential cooperation.
7.3. Nothing in these Terms shall restrict Cardstream from disclosing information to regulatory authorities, financial institutions, auditors, card schemes, or supervisory bodies where such disclosure is required or reasonably necessary to comply with Applicable Law or regulatory obligations.
8. Intellectual Property
8.1. All materials, documents, presentations, service descriptions, communications, designs, and branding shared by Cardstream remain the exclusive property of Cardstream Payment Systems Ltd.
8.2. You are granted no licences or rights to copy, distribute, reproduce, or otherwise use Cardstream intellectual property unless explicitly permitted in writing.
9. No Access to Services Prior to the Merchant Service Agreement
9.1. You acknowledge that until a Merchant Service Agreement is fully executed and onboarding procedures are completed, Cardstream does not provide any payment-related services, does not enable API, portal, or system access, does not open accounts, and does not process transactions.
9.2. Cardstream bears no responsibility for any expectations or assumptions regarding service availability prior to contract execution.
10. No Warranties
Cardstream provides all pre-contractual materials, communications, and information on an "as is" basis, without any warranties, express or implied, including but not limited to warranties of availability, accuracy, completeness, performance, or suitability for a particular purpose.
11. Limitation of Liability
11.1. Cardstream is not liable for decisions made based on preliminary discussions, reliance on non-binding descriptions of services, losses arising from discontinued communication or declined onboarding, or indirect, incidental, consequential, or punitive damages of any kind.
11.2. Nothing in these Terms limits liability that cannot be excluded or restricted under applicable law.
11.3. Nothing in these Terms limits or excludes any obligation of Cardstream arising under applicable AML, CTF, sanctions, or regulatory requirements.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of the Province of Ontario, Canada. Any disputes arising under or in connection with these Terms shall be resolved exclusively in the courts of Ontario, Canada.
13. Modifications
Cardstream may update these Terms at any time. Updates become effective upon posting of the revised version on the Website. Continued interaction with Cardstream's services or materials following such update constitutes your acceptance of the revised Terms.
14. Contact
For questions regarding these Terms, please contact:
CARDSTREAM PAYMENT SYSTEMS LTD
1907 Baseline Road, Unit 104, Ottawa, Ontario, K2C0C7, Canada
Email: info@cardstreampayments.com