Acceptable Use Policy

Acceptable Use Policy

Effective Date: 22/11/2025
Last Updated: 22/11/2025

Introduction and Scope

This Acceptable Use Policy (the "Policy") establishes the terms, conditions, and restrictions under which you may access and use the Services provided by First Class Payments Inc., operating as 1Klas ("1Klas," "we," "us," or "our").

Binding Effect: This Policy applies immediately upon your access to or use of any 1Klas Services and forms an integral part of your Customer Agreement with 1Klas. By accessing or using our Services, you agree to be bound by this Policy in its entirety.

Defined Terms: Unless otherwise defined herein, capitalized terms used in this Policy have the meanings ascribed to them in the Customer Agreement.

Importance: Please read this Policy carefully. Violation of this Policy constitutes a material breach of your Customer Agreement and may result in immediate suspension or termination of Services, account closure, withholding of funds, and potential legal action.

1. Restricted Activities

1.1 Prohibited Uses of Services

You may use our Services only for lawful purposes and in compliance with all applicable laws, regulations, and this Policy. You expressly agree that you will not use our Services:

Legal Compliance:

• In any manner that breaches, violates, or contravenes any applicable local, national, or international law, regulation, or legal requirement

• In any way that would cause 1Klas to breach any applicable law, regulation, licensing requirement, or contractual obligation

• To facilitate, enable, or assist any unlawful activity or transaction

• In violation of any court order, injunction, or regulatory directive

Fraudulent and Harmful Activities:

• For any purpose that is unlawful, fraudulent, deceptive, or has any unlawful or fraudulent purpose or effect

• To engage in or facilitate money laundering, terrorist financing, or other financial crimes

• To evade or facilitate the evasion of any applicable taxes, duties, or regulatory obligations

• To engage in any activity that violates sanctions, embargoes, or export control regulations

• For the purpose of harming, exploiting, or attempting to harm minors in any way

• To perpetrate or facilitate identity theft, fraud, or impersonation

• To engage in market manipulation, insider trading, or other securities violations

Abusive and Harmful Conduct:

• For anything that is abusive, harmful, threatening, defamatory, obscene, or does not comply with our Content Standards (Section 2)

• To harass, stalk, threaten, or intimidate any person or entity

• For any unsolicited or unauthorized advertising, marketing materials, promotional content, or spam

• To transmit, distribute, or facilitate the distribution of viruses, malware, spyware, ransomware, trojans, worms, or any other harmful computer code, programs, or files

• To conduct or facilitate denial-of-service attacks, hacking, phishing, or other cyberattacks

• To circumvent, disable, or interfere with security features or access controls

Platform Misuse:

• To access without authorization, interfere with, damage, reverse engineer, or disrupt any part of our Services, systems, networks, software, or infrastructure

• To attempt to gain unauthorized access to any accounts, systems, or networks connected to 1Klas

• To use automated systems, bots, scrapers, or similar tools to access or interact with our Services without express written permission

• To create multiple accounts for fraudulent or abusive purposes

• To use your Account in a manner likely to result in excessive complaints, disputes, reversals, chargebacks, or liabilities to 1Klas, other customers, or third parties

Speculative and Prohibited Financial Activities:

• For speculative currency trading, foreign exchange arbitrage, or high-frequency trading

• To operate or facilitate "sniping" strategies or market manipulation schemes

• To use the Services as an investment platform or for currency speculation

• For any trading activity designed to exploit exchange rate fluctuations rather than for legitimate transactional purposes

1.2 Unsupported Businesses and Prohibited Transactions

1Klas does not support businesses, transactions, or activities involving any of the following categories. Such businesses or transactions may be declined, and accounts may be suspended or terminated. While this list is comprehensive, it is not exhaustive, and we reserve the absolute right to deny Services to any customer, business, or transaction that exceeds our risk tolerance or violates our policies.

1.2.1 Regulated or Illegal Products and Services

Adult and Sexual Content:

• Adult content, pornography, or visual content depicting explicitly sexual acts

• Services of a sexual nature, including webcam shows, live adult chats, escort services, prostitution, or similar activities

• Sexually oriented establishments, including but not limited to massage parlors offering sexual services, strip clubs, gentlemen's clubs, or similar venues

• Adult entertainment venues, adult bookstores, or adult toy retailers

• Any platforms facilitating connections for sexual services

Alcohol and Tobacco:

• Sale of alcoholic beverages to retail customers or end consumers

• Wholesale alcohol distribution to unlicensed entities

• Tobacco products, including cigarettes, cigars, chewing tobacco, vaping products, or e-cigarettes

• Alcohol or tobacco products sold without proper licenses or to jurisdictions where prohibited

Cannabis and Controlled Substances:

• Cannabis, marijuana, or any marijuana-derived products (including CBD products)

• Products containing cannabidiol (CBD), tetrahydrocannabinol (THC), or other cannabis derivatives, regardless of local legality

• Any products or services related to the legal or medical marijuana trade

• Controlled substances, narcotics, or prescription drugs sold without proper authorization

• Smart drugs, nootropics, cognitive enhancers, or research chemicals

• Substances providing effects similar to illegal drugs, including kratom, khat, salvia, or similar substances

• Anabolic steroids, human growth hormones, peptides, or performance-enhancing drugs

• Drug paraphernalia or any equipment, product, or material intended for making, using, concealing, or consuming drugs

Pharmaceuticals and Health Products:

• Pharmaceuticals, prescription drugs, or controlled medications

• Online pharmacies, telemedicine platforms dispensing prescription drugs, or prescription drug resellers

• Prescription-only pharmaceutical products sold without valid prescriptions

• Sale of pharmaceutical products directly to retail customers without proper licensing

• Nutraceuticals, pseudo-pharmaceuticals, dietary supplements, or health products making unreasonable, unverified, or unapproved health claims

• Products claiming to diagnose, treat, cure, or prevent diseases without regulatory approval

• Unapproved medical devices or diagnostic equipment

Chemicals and Hazardous Materials:

• Commodity chemicals, industrial chemicals, or precursor chemicals

• Explosive materials, fireworks, or incendiary devices

• Hazardous, toxic, or dangerous materials

• Chemical reagents or laboratory supplies with potential for misuse

Counterfeit and Unauthorized Goods:

• Counterfeit products, replica goods, or knock-off merchandise

• Unauthorized sale of designer, luxury, or brand-name products

• Products infringing on intellectual property rights, trademarks, copyrights, or patents

• Gray market goods or products sold in violation of territorial distribution agreements

• Sale of illegally imported, exported, or smuggled goods

Gambling and Games of Chance:

• Online gambling, casino games, sports betting, or wagering platforms

• Lotteries, raffles, or sweepstakes with monetary prizes

• Fantasy sports platforms offering cash prizes or monetary rewards

• Games of chance, skill-based gaming with monetary stakes, or competitive gaming with cash prizes

• Poker rooms, bingo halls, or other gambling establishments (online or physical)

• Sales of in-game currencies, virtual items, or gaming assets by unauthorized vendors

• Any gambling-related payments or businesses operating in or serving customers in Turkey, the United States, Canada, the United Arab Emirates, Singapore, or any other jurisdiction where prohibited

• Any businesses related to gambling, betting, or games of chance, at 1Klas's sole discretion

Intellectual Property Infringement:

• Any product, service, or activity that directly infringes or facilitates infringement upon copyright, patent, trademark, trade secret, proprietary rights, or privacy rights of any third party

• Pirated software, media, entertainment content, or digital goods

• Unauthorized streaming services, file-sharing platforms, or torrent sites

• Services enabling copyright infringement or intellectual property theft

Illegal Products and Services:

• Products, services, or activities that are illegal in the jurisdiction where they are offered, sold, provided, or consumed

• Stolen goods, illegally obtained items, or proceeds of crime

• Counterfeit currency, forged documents, or fraudulent identification

• Any goods or services prohibited by applicable law

1.2.2 Financial and Professional Services

Cryptocurrency and Virtual Currency:

• Initial Coin Offerings (ICOs), Security Token Offerings (STOs), or similar fundraising activities

• Cryptocurrency ATMs or kiosks

• Payments made for the purpose of purchasing cryptocurrencies, tokens, or digital assets

• Blockchain-based gambling or gaming platforms

Money Services Businesses:

• Money services businesses (MSBs) or any businesses carrying on activities including:

  • Operating a bureau de change, currency exchange service, or foreign exchange dealer

  • Transmitting money or any representation of monetary value on behalf of third parties

  • Money remittance or payment transmission services

  • Cashing checks, money orders, or similar instruments

  • Issuing or selling prepaid access, stored value, or payment instruments

• Payment processing services, merchant acquiring, or payment facilitation for third parties

• Peer-to-peer payment platforms or services operating without proper licenses

• Check cashing services or payday lending

Investment and Trading Services:

• Binary options trading platforms or brokers

• Contracts for Difference (CFD) trading platforms

• Foreign exchange (forex) trading platforms for retail customers

• Platforms facilitating trading or exchanging of FX, derivatives, options, futures, or securities

• Unregistered investment advisors or unlicensed financial advisors

• Ponzi schemes, pyramid schemes, or fraudulent investment schemes

High-Risk Financial Entities:

• Shell banks (banks without physical presence in any country)

• Offshore banks operating without proper licensing or supervision

• Unregulated or unlicensed financial institutions

• Superannuation funds, pension funds, or retirement accounts (except where explicitly authorized)

• Syndicates, investment clubs, or pooled investment vehicles operating without proper licenses

Trust and Corporate Services:

• Trust and corporate service providers (TCSPs) involved in:

  • Opening accounts on behalf of other businesses without proper due diligence

  • Offshore company formation in high-risk or non-cooperative jurisdictions

  • Using nominee directors, nominee shareholders, or bearer shares to obscure beneficial ownership

  • Facilitating tax evasion, money laundering, or other financial crimes

  • Operating without required licenses or registrations

Other Restricted Financial Services:

• Escrow services (unless specifically authorized by 1Klas in writing)

• Using a 1Klas Account as an escrow account or intermediary account for third parties

• Factoring, invoice discounting, or receivables financing without proper licenses

• Crowdfunding platforms operating without proper registration

• Any financial services requiring a license under applicable law where no valid license has been obtained

1.2.3 Other Restricted Activities and High-Risk Businesses

Technology and Communication Services:

• Internet Protocol Television (IPTV) services offering unauthorized streaming of copyrighted content

• Voice over IP (VOIP) services used for fraud, harassment, or illegal purposes

• Anonymous or encrypted communication services designed to evade law enforcement

• VPN services marketed primarily for illegal activities or circumventing geo-restrictions for piracy

Sanctioned Entities and High-Risk Jurisdictions:

• Individuals, entities, organizations, or countries subject to international sanctions, embargoes, or export controls imposed by:

  • The United Nations

  • The United States (OFAC sanctions)

  • The European Union

  • Canada

  • The United Kingdom

  • Any other applicable sanctioning authority

• Dealings with Specially Designated Nationals (SDNs), blocked persons, or prohibited parties

• Transactions involving comprehensively sanctioned countries or regions

• Attempts to circumvent, evade, or violate sanctions or export control regulations

Weapons and Military Goods:

• Weapons, firearms, ammunition, explosives, or destructive devices

• Weapon parts, components, accessories, or modification kits

• Military equipment, tactical gear, or paramilitary supplies

• Military software, defense technology, or dual-use goods with military applications

• Any goods or services intended for military, defense, or paramilitary use

• 3D-printed weapons, ghost guns, or unregistered firearms

• Weapons of historical significance or collectible weapons (unless specifically authorized)

Non-Profit Organizations and Charities:

• Non-profit organizations, charities, or NGOs based in countries outside of Canada, the European Economic Area (EEA), the European Union (EU), Switzerland, the United States, Australia, or New Zealand

• Unregistered charities, unlicensed NGOs, or charitable organizations operating without proper oversight from any region

• Charities with opaque structures, unclear beneficial ownership, or insufficient due diligence

• Organizations suspected of facilitating terrorism financing or money laundering

Trusts and Foundations:

• Trusts, foundations, or similar legal structures based in countries outside of Canada, the EEA, the EU, Switzerland, the United States, Australia, or New Zealand

• Complex trust structures designed to obscure beneficial ownership

• Trusts operating in high-risk or non-cooperative jurisdictions

Environmental and Wildlife Crimes:

• Trade in restricted, endangered, or protected animal species

• Products derived from endangered species, including ivory, rhino horn, exotic skins, or traditional medicines containing protected species

• Illegal logging, timber trafficking, or trade in protected plants

• Wildlife trafficking or illegal hunting operations

Multi-Level Marketing and Investment Schemes:

• Multi-level marketing (MLM) schemes, network marketing, or pyramid schemes

• Get-rich-quick schemes, unrealistic investment opportunities, or financial scams

• Referral marketing programs promising unreasonably high rewards or returns

• Matrix schemes, gifting circles, or chain referral programs

• High-yield investment programs (HYIPs) or Ponzi schemes

Specific Geographic or Industry Restrictions:

• United Arab Emirates-based oil, gas, and shipping companies and related activities

• Businesses with relations, operations, or activities directly or indirectly linked to Cuba

• Businesses operating in or serving customers in high-risk or non-cooperative jurisdictions as identified by FATF or other international bodies

• Surrogacy services, surrogacy agencies, or surrogacy-related payments

• Human trafficking, forced labor, or modern slavery-related activities

Other Prohibited Activities:

• Timeshare resales, vacation club memberships, or similar schemes

• Pseudo-scientific services, fortune telling, astrology services for profit, or psychic readings

• Essay writing services, academic cheating, or exam fraud services

• Fake document creation, diploma mills, or fraudulent credential services

• Bankruptcy services aimed at evading legitimate debts

• Telemarketing or cold-calling services engaged in deceptive practices

• Any business, transaction, or activity that 1Klas determines, in its sole discretion, poses an unacceptable level of legal, regulatory, reputational, or financial risk

1.3 Additional Prohibitions and Requirements

You expressly agree and warrant that you will not:

Intellectual Property Violations:

• Copy, reproduce, distribute, modify, or use any part of our Services, website, software, trademarks, logos, or content in contravention of this Agreement or applicable intellectual property laws

• Reverse engineer, decompile, disassemble, or attempt to derive source code from any software or systems used to provide our Services

Unauthorized Access and Interference:

• Access without proper authorization, interfere with, damage, disable, overburden, or disrupt:

  • Any part of our Services, systems, platforms, or infrastructure

  • Any equipment, servers, networks, or databases on which our Services or website are stored or operated

  • Any software, algorithms, or technology used in the provision of our Services

  • Any equipment, network, system, or software owned, operated, or used by any third party, including our service providers, partners, or correspondent banks

High-Risk Transaction Patterns:

• Use your 1Klas Account in a manner that is likely to result in an excessive number of complaints, disputes, investigations, reversals, chargebacks, or other liabilities to 1Klas, other customers, third parties, or yourself

• Engage in structuring, smurfing, or layering transactions to evade reporting requirements or compliance controls

• Conduct transactions with no apparent lawful purpose or economic rationale

Misrepresentation and Fraud:

• Provide false, inaccurate, incomplete, or misleading information to 1Klas at any time

• Misrepresent your identity, business activities, transaction purposes, or the nature of your business relationship with 1Klas

• Conceal beneficial ownership, control structures, or the true parties to transactions

1.4 Permitted Uses of Account Numbers and Payment Reception

You may only use your 1Klas Account Number, virtual IBANs, or designated receiving details to receive funds into your 1Klas Account for the following authorized purposes:

Personal Accounts:

• Receiving your own salary, wages, employment income, or contractor payments

• Receiving payouts from legitimate e-commerce platforms, freelancer platforms, gig economy platforms, or marketplace platforms

• Receiving payments from family members, friends, or other individuals you know personally for legitimate personal purposes

• Receiving reimbursements, refunds, or repayments from individuals or businesses

• Receiving gifts, donations, or personal transfers (not for charitable or business purposes)

Business Accounts:

• Receiving payments from clients, customers, or third parties for legitimate business transactions

• Receiving revenue from sales of goods or services

• Receiving business-to-business (B2B) payments

• Receiving payouts from authorized e-commerce, payment, or platform providers

Prohibited Reception Activities:

• You may NOT use your personal 1Klas Account to receive business payments, commercial transactions, or payments on behalf of third parties

• You may NOT use your 1Klas Account to receive funds on behalf of other persons or entities (except where explicitly authorized for business purposes)

• You may NOT use your Account as a pass-through, intermediary, or nominee account for third-party funds

• You may NOT use your Account to facilitate money laundering, terrorist financing, sanctions evasion, or other financial crimes

2. Content Standards

These Content Standards apply to any and all materials, information, data, text, images, videos, communications, or other content that you contribute, upload, post, transmit, or make available through our Services (collectively, "Contributions").

2.1 Required Standards for Contributions

All Contributions must:

Accuracy and Authenticity:

• Be accurate, truthful, complete, and not misleading in any material respect

• Be genuinely held, believed, and based on reasonable grounds (where they state opinions, beliefs, or subjective views)

• Not contain false, fabricated, or deceptive information

Legal Compliance:

• Comply with all applicable laws, regulations, and legal requirements in Canada and in any country from which they are posted, transmitted, or to which they relate

• Not violate any court orders, injunctions, regulatory directives, or legal obligations

• Respect all applicable intellectual property laws, data protection laws, privacy laws, and consumer protection laws

2.2 Prohibited Content

Contributions must NOT:

Unlawful and Harmful Content:

• Contain any material that is defamatory, libelous, slanderous, or damaging to reputation

• Contain any material that is obscene, offensive, hateful, discriminatory, inflammatory, or extremist

• Promote, glorify, or facilitate violence, terrorism, or criminal activity

• Promote or facilitate self-harm, suicide, eating disorders, or dangerous challenges

• Contain or promote child sexual abuse material (CSAM) or exploitation of minors

Discriminatory and Abusive Content:

• Promote discrimination, harassment, or hate speech based on race, ethnicity, national origin, religion, sex, gender, gender identity, sexual orientation, disability, age, or any other protected characteristic

• Be abusive, threatening, intimidating, harassing, or constitute cyberbullying

• Invade another person's privacy, violate confidentiality, or cause undue annoyance, inconvenience, distress, or anxiety

Sexual and Adult Content:

• Promote sexually explicit material, pornography, or adult content

• Contain non-consensual intimate images or "revenge porn"

• Facilitate or promote prostitution, escort services, or sex trafficking

Fraudulent and Deceptive Content:

• Be likely to deceive, mislead, or defraud any person

• Contain false advertising, fraudulent offers, or deceptive marketing

• Impersonate any person, business, or entity, or misrepresent your identity, credentials, or affiliation

• Create a false impression of endorsement, sponsorship, or association with 1Klas or any third party

Intellectual Property Violations:

• Infringe any copyright, patent, trademark, trade secret, database right, or other intellectual property right of any person or entity

• Facilitate, encourage, or provide tools for intellectual property infringement

• Contain pirated content, unauthorized copies, or stolen materials

Breach of Duties and Obligations:

• Be made in breach of any legal duty, contractual obligation, fiduciary duty, duty of confidence, or duty of care owed to any third party

• Violate any non-disclosure agreement, confidentiality agreement, or privacy obligation

• Disclose confidential, proprietary, or sensitive information without authorization

Malicious and Disruptive Content:

• Contain or facilitate the transmission of viruses, malware, spyware, ransomware, trojans, worms, or any other harmful code

• Advocate, promote, incite, instruct, or assist any unlawful act, including but not limited to copyright infringement, hacking, computer misuse, fraud, or violence

• Disrupt, interfere with, or harm the operation of our Services or any other systems or networks

3. Enforcement, Suspension, and Termination

1Klas has the sole and absolute discretion to determine whether there has been a breach, violation, or non-compliance with this Acceptable Use Policy through your use of our Services. Our determination shall be final and binding.

3.1 Enforcement Actions

Upon determining that a breach of this Policy has occurred or is likely to occur, we reserve the right to take any or all of the following actions, without prior notice and without liability to you:

Account Actions:

• Immediate, temporary, or permanent suspension of your right to use our Services

• Immediate, temporary, or permanent withdrawal of access to your Account, the Transaction Platforms, or any features thereof

• Suspension, cancellation, or reversal of payment orders, Instructions, or Transactions

• Freezing, blocking, or withholding of funds in your Account pending investigation

• Closure and termination of your Account and the business relationship

Content Actions:

• Immediate, temporary, or permanent removal, deletion, or blocking of any Contributions, postings, materials, or content uploaded, posted, or transmitted by you

• Removal of access to content or materials that violate this Policy

Investigative and Reporting Actions:

• Conducting internal investigations, audits, or compliance reviews

• Requesting additional information, documentation, or evidence from you

• Reporting suspicious activities, transactions, or violations to:

  • Law enforcement authorities (including police, RCMP, FBI, Interpol)

  • Regulatory authorities (including FINTRAC, FinCEN, FCA, or equivalent)

  • Financial intelligence units

  • Sanctions authorities

  • Other relevant governmental or regulatory bodies

• Cooperating fully with investigations by authorities, including providing information, records, and testimony

• Disclosing information about you, your Accounts, and your Transactions to authorities as required or permitted by law

Financial and Legal Actions:

• Imposing fees, penalties, or charges for breach of this Policy

• Offsetting amounts owed against funds in your Account

• Initiating legal proceedings against you, including:

  • Claims for breach of contract

  • Claims for damages, losses, and expenses incurred by 1Klas

  • Applications for injunctive relief or other equitable remedies

  • Recovery of all costs and expenses on an "indemnity" or "solicitor-client" basis, including reasonable legal fees and court costs

• Referring the matter to debt collection agencies or legal counsel

• Reporting credit defaults or negative information to credit bureaus (where permitted)

Warning and Remediation:

• Issuing formal warnings or notices of breach

• Requiring you to take specific corrective actions within a specified timeframe

• Imposing enhanced monitoring, restrictions, or conditions on your use of Services

3.2 No Liability for Enforcement

You acknowledge and agree that 1Klas shall not be liable to you for any Losses, damages, costs, or expenses arising from or related to:

• Any enforcement action taken pursuant to this Policy

• Any suspension, blocking, termination, or restriction of Services

• Any disclosure of information to authorities or third parties as permitted or required by law

• Any delay in taking action or failure to take action (which shall not constitute a waiver of our rights)

3.3 Survival of Obligations

Termination of your Account or Services for breach of this Policy does not relieve you of any obligations, liabilities, or responsibilities that accrued prior to termination, including but not limited to:

• Payment of outstanding fees, charges, or amounts owed

• Liability for chargebacks, disputes, or claims

• Obligations to indemnify 1Klas

• Confidentiality obligations

• Any other obligations that by their nature survive termination

4. Reporting Violations

4.1 Your Obligation to Report

If you become aware of any violation of this Acceptable Use Policy by any user of our Services, any suspicious activity, or any misuse of our platform, you are encouraged to report it immediately to:

Email: compliance@1klas.com
Subject Line: "AUP Violation Report"

4.2 Information to Include

When reporting a violation, please include:

• A detailed description of the violation or suspicious activity

• The username, account identifier, or other identifying information (if known)

• Screenshots, transaction records, or other evidence (if available)

• The date and time of the violation or activity

• Any other relevant information

4.3 Confidentiality

We will handle all reports confidentially and in accordance with applicable law. However, we may be required to disclose information to authorities or in legal proceedings.

5. Changes to This Acceptable Use Policy

5.1 Right to Amend

We reserve the right to revise, modify, update, or replace this Acceptable Use Policy at any time, at our sole discretion, for any reason including but not limited to:

• Changes in applicable laws, regulations, or regulatory guidance

• Changes in industry standards or best practices

• Changes in our risk appetite or compliance requirements

• Identification of new risks, threats, or prohibited activities

• Operational, business, or strategic considerations

5.2 Notice of Changes

We will notify you of material changes to this Policy by:

• Posting the revised Policy on our website with an updated "Last Updated" date

• Sending notice via email to your registered email address

• Posting a notice on the Transaction Platforms

• Any other method permitted under the Customer Agreement

5.3 Effective Date of Changes

Changes to this Policy will become effective:

• Immediately upon posting for changes that expand your rights or reduce restrictions

• After the notice period specified in the Customer Agreement (typically 30 days) for changes that impose additional restrictions or obligations

5.4 Acceptance of Changes

Your continued use of our Services following the effective date of any changes constitutes your acceptance of the revised Policy. If you do not agree with the changes, you must immediately cease using our Services and may terminate your Account in accordance with the Customer Agreement.

5.5 Regular Review

We strongly recommend that you check this Policy regularly to stay informed of any updates or changes, as it is legally binding on you.

6. Contact Information

If you have any questions, concerns, or requests regarding this Acceptable Use Policy, please contact us at:

First Class Payments Inc.
80 Birmingham St, C6, Toronto, Ontario, M8V 3W6, Canada
Email: compliance@1klas.com
Phone: +1 365 363 2288
Website: www.1klas.com

7. Governing Law and Jurisdiction

This Acceptable Use Policy is governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any disputes arising from or relating to this Policy shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

IMPORTANT REMINDER: This Acceptable Use Policy is binding and enforceable. Violations may result in immediate suspension or termination of your Account, withholding of funds, legal action, and reporting to authorities. Please ensure you understand and comply with all provisions of this Policy.