Privacy Policy

SITE TERMS OF USE (Canada)

PLEASE READ THESE SITE TERMS OF USE CAREFULLY. BY ACCESSING THIS SITE OR USING THE SERVICES ON THE SITE, YOU AGREE TO BE BOUND BY THESE SITE TERMS OF USE. If you are ACCESSING OR using the Site as a representative on behalf of a legal entity, you represent that you have the legal authority to agree to these SITE Terms OF USE on that entity’s behalf. IF YOU DO NOT AGREE WITH THESE SITE TERMS OF USE, PLEASE DO NOT ACCESS OR USE THIS SITE. IF YOU ARE UNDER 18, PLEASE DO NOT ACCESS OR USE THIS SITE.

You are currently viewing a page of a website or mobile application belonging to RapidCents Inc. or one of its affiliates (“RapidCents,” “we,” “us,” or “our”) (each page, a “RapidCents Site” or “Site”). These Site Terms of Use (“Terms”) apply to your access to and use of this RapidCents Site, including any content and functionality, and services offered on or through the Site (“Services”). “You” and “your” refer to any person who accesses or uses the Site or Service (or, if you are accessing or using this site as a representative on behalf of a legal entity, then to you and that entity collectively). The Site is intended for people who are at least 18 years old. If you are under the age of 18, please do not access this Site.

RapidCents reserves the right to modify these Terms at any time without notice. Any change to these Terms will be effective when the updated Terms are posted on the Site. You can find the current version of the Terms at any time by clicking the “Site Terms of Use” link at the bottom of the Site. By continuing to access the Site or use the Services on or after the date new Terms are posted, you agree to be bound by the most recent version of these Terms. RapidCents reserves the right to modify the Site or terminate your access to the Site, in whole or in part, at any time, with or without notice.

• Access has the meaning set forth in Section 10.c.
• RapidCents Content means information, text, photographs, designs, graphics, images, sound and video recordings, animation, and other materials and effects (including logos) that are protected by copyrights, trademarks, service marks, pending or issued patents, trade dress, or other intellectual or proprietary rights owned, controlled, or licensed by RapidCents.
• RapidCents Marks mean trademarks, service marks, trade names, and logos of RapidCents.
• RapidCents Merchants mean merchants offering products or services through a RapidCents Site.
• RapidCents Products mean products or services you may purchase, order, or obtain from a RapidCents Site.
• RapidCents Site or Site has the meaning set forth in the preamble.
• Chat and Chatbot have the meanings set forth in Section 9.c.
• Claim means an action, allegation, cause of action, cease and desist letter, charge, citation, claim, demand, directive, lawsuit or other litigation or proceeding, or notice.
• Confidential Information means RapidCents‘ marketing philosophies and objectives, financial and pricing information, client lists, cardholder data, card numbers, card balances, cardholder transactions, business processes, competitive advantages and disadvantages, vendors, and any other information a reasonable person would determine to be sensitive, proprietary, or confidential. Confidential Information does not include information that is publicly known through no fault of yours or that has been independently developed without access to or use of RapidCents‘ Confidential Information.
• Damages means assessments, fines, bona fide settlements, costs, damages (including consequential, indirect, special, incidental or punitive damages), expenses (including without limitation reasonable attorneys’ fees, expenses, and costs), judgments, liabilities, losses, or penalties, incurred in connection with a Claim.
• Electronic Communication means any communication by telephone, text message, wire, facsimile, computer (including, but not limited to, e-mail) or other method of telecommunication or electronic transmission.
• Feedback means any and all suggestions, comments, and feedback that you submit to RapidCents, whether by letter, email, telephone, or at or via a RapidCents Site in connection with the Site or any RapidCents Products.
• Inappropriate Content has the meaning described in Section 7.b.
• Linked Site means either or both of: (i) a website controlled or offered by a third party that allows users to access a RapidCents Site or (ii) a website controlled or offered by a third party that may be accessed from a RapidCents Site.
• Product‑Specific Terms mean additional terms and conditions that apply to a specific RapidCents Product.
• Service has the meaning set forth in the preamble.
• Submitted Data means any data you transmit to a RapidCents Site, whether such data consists of text, pictures, artwork, audio, video, or multimedia.

Product-Specific Terms

Some RapidCents Products have Product-Specific Terms. If you purchase or use those RapidCents Products, you agree to any such Product-Specific Terms in addition to these Terms. All Product-Specific Terms are incorporated by reference into the Terms. If there is a conflict between these Terms and any Product‑Specific Terms, the Product‑Specific Terms will control.

RapidCents Products

Some RapidCents Sites allow you to select and purchase or order RapidCents Products. Some RapidCents Products can be customized with text, pictures, and/or graphics. Not all RapidCents Products are available in all jurisdictions. When you have completed your order (including any required payment), RapidCents will produce the RapidCents Products you select and send them to the recipients you direct. The price for each RapidCents Product will be stated in the local currency of the jurisdiction in which the RapidCents affiliate accepting your order is based and is incorporated into these Terms by reference. Please note that prices and fees may change from time to time. The price you will pay is the price indicated on the Site when you place your order. Purchases of RapidCents Products are non-returnable and non-refundable. If you have any questions about which RapidCents Products are available in your jurisdiction or problems with your order or if you have not received your order within the expected time frame, please contact us immediately via the Contact Us link on the RapidCents Site. Please include your order number in all communications for prompt service.

Mobile Applications

RapidCents may make a mobile application available to access the Site via a mobile device. To use the mobile application, you must have a mobile device compatible with the mobile service. RapidCents does not warrant that the mobile application will be compatible with your mobile device. RapidCents grants you a non‑exclusive, non-transferable, revocable license to use an object code copy of the mobile application for one registered account on one mobile device owned or leased solely by you, for your personal use. You agree not to:

• (i) Modify, disassemble, decompile or reverse engineer the mobile application, except to the extent that such restriction is expressly prohibited by law;
• (ii) Rent, lease, loan, resell, sublicense, distribute or otherwise transfer the mobile application to any third-party or use the mobile application to provide time-sharing or similar services for any third-party;
• (iii) Make any copies of the mobile application;
• (iv) Remove, circumvent, disable, damage, or otherwise interfere with security-related features of the mobile application, features that prevent or restrict use or copying of any content accessible through the mobile application, or features that enforce limitations on use of the mobile application;
• (v) Delete the copyright and other proprietary rights notices on the mobile application.

You acknowledge that RapidCents may from time to time issue upgraded versions of the mobile application and may automatically electronically upgrade the version of the mobile application that you are using on your mobile device. You consent to such automatic upgrading on your mobile device and agree that these Terms will apply to all such upgrades. Our grant of a license under this Section 4.a is not a sale of the mobile application or any copy thereof. We and our third-party licensors or suppliers retain all right, title, and interest in and to the mobile application (and any copy of the mobile application). Standard carrier data charges may apply to your use of the mobile application.

The following additional terms and conditions apply with respect to any mobile application that RapidCents provides to you designed for use on an Apple iOS-powered mobile device (an “iOS App”):

• You acknowledge that these Terms are between you and RapidCents only, and not with Apple, Inc. (“Apple”).
• Your use of RapidCents’ iOS App must comply with Apple’s then-current App Store Terms of Service.
• RapidCents, and not Apple, is solely responsible for our iOS App and the RapidCents Product and RapidCents Content available thereon. You acknowledge that Apple has no obligation to provide maintenance and support services with respect to our iOS App. To the maximum extent permitted by applicable law, Apple will have no warranty obligation whatsoever with respect to our iOS App.
• You agree that RapidCents, and not Apple, is responsible for addressing any claims by you or any third-party relating to our iOS App or your possession and/or use of our iOS App, including, but not limited to: (i) product liability claims; (ii) any claim that the iOS App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation, and all such claims are governed solely by these Terms and any law applicable to us as the provider of the iOS App.
• You agree that RapidCents, and not Apple, shall be responsible, to the extent required by these Terms, for the investigation, defense, settlement, and discharge of any third-party intellectual property infringement claim related to our iOS App or your possession and use of our iOS App.
• You represent and warrant that (i) you are not located in a country that is subject to a Government embargo, or that has been designated by a Government as a “terrorist supporting” country; and (ii) you are not listed on any Government list of prohibited or restricted parties.
• You agree to comply with all applicable third-party terms of agreement when using our iOS App (e.g., you must not be in violation of your wireless data service terms of agreement when using the iOS App).
• The parties agree that Apple and Apple’s subsidiaries are third-party beneficiaries to these Terms as they relate to your license of RapidCents’ iOS App. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as they relate to your license of the iOS App as a third-party beneficiary thereof.

The following additional terms and conditions apply with respect to any mobile application that RapidCents provides to you designed for use on an Android-powered mobile device (an “Android App”):

• You acknowledge that these Terms are between you and RapidCents only, and not with Google, Inc. (“Google”).
• Your use of RapidCents’ Android App must comply with Google’s then-current Android Market Terms of Service.
• Google is only a provider of the Android Market where you obtained the Android App. RapidCents, and not Google, is solely responsible for RapidCents’ Android App and the RapidCents Product and RapidCents Content available thereon. Google has no obligation or liability to you with respect to RapidCents’ Android App or these Terms.
• You acknowledge and agree that Google is a third-party beneficiary to the Terms as they relate to RapidCents’ Android App.

Use of Site

• Proprietary Rights: RapidCents Sites contain RapidCents Content. You acknowledge and agree that the rights to RapidCents Content belong to their respective owners and are protected in all forms, media, and technologies existing now or later developed. You agree not to use, reproduce, or display: (i) any RapidCents Marks without RapidCents’ written permission and (ii) any RapidCents Content in any manner without the owner’s written permission.
• No Framing: You agree not to “frame” or “mirror” any RapidCents Content contained on or accessible from a RapidCents Site on any other server or Internet-based device without the advance written authorization of RapidCents or its licensors or licensees, respectively.
• Use of Sites and Content: RapidCents grants you permission to (i) access and view each of its Sites and (ii) submit orders for RapidCents Products. Any other use of a RapidCents Site or RapidCents Content, in whole or in part, without permission of the applicable rights holder, is strictly prohibited. Your use of a RapidCents Site is subject to applicable local, provincial, state, federal, and international law.

Linked Sites

You agree that we have no control over the content on Linked Sites. Any advice, opinions, services, products, or recommendations provided by the Linked Site providers are those of the providers and not of RapidCents. Your participation in any Linked Site, including payment for and delivery of goods or services, is based solely on the agreement and privacy policy (if any) between you and the provider of the Linked Site.

Submitted Data

• Copyright Policy, Representation: You are wholly responsible for any Submitted Data. It is illegal to reproduce or distribute copyrighted material without the permission of the copyright owner or to use trademarks without the permission of the trademark owner. By uploading Submitted Data to a RapidCents Site, you grant us a limited, royalty-free, and non-exclusive license to use, adapt, transmit, transfer, store, copy, and display the Submitted Data solely in connection with providing products and/or services to you.

Intellectual Property Infringement

RapidCents respects the intellectual property rights of others, and we ask you to do the same. In appropriate circumstances and at our discretion, RapidCents may terminate service and/or access to a Site for users who infringe the intellectual property rights of others.

If you believe that your work is the subject of copyright infringement and/or trademark infringement and appears on a RapidCents Site, please provide RapidCents’ designated agent the following information:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
• Identification of the copyrighted and/or trademarked work claimed to have been infringed, or, if multiple works at a single online site are covered by a single notification, a representative list of such works at that site.
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled at the Site, and information reasonably sufficient to permit RapidCents to locate the material.
• Information reasonably sufficient to permit RapidCents to contact you as the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted.
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright and/or trademark owner, its agent, or the law.
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

RapidCents’ agent for notice of claims of copyright or trademark infringement on the Site can be reached by emailing [email protected].

Termination of Repeat Infringers: RapidCents reserves the right, in its sole discretion, to terminate the account or access of any user of a Site and/or RapidCents Product who is the subject of repeated DMCA or other infringement notifications.

Accounts; Registration Information; Feedback; Chat

Accounts: Some RapidCents Sites may allow or require you to register for an account. Accounts help us tailor our services for your personal and business financial needs and to alert you of other products and services for you or your business. In registering at a Site, you agree to provide accurate, true, current, and complete information about you and your business as requested by the registration screens. As a convenience to you, we may create a profile for you or your business based on the registration information that you provide.

You agree that RapidCents or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third-party rights, or other unauthorized uses of a Site or Services.

Feedback: You agree that all Feedback is, and will be treated as, non-confidential and non-proprietary, except as otherwise specifically agreed or required by law. Except as prohibited by applicable law, you assign all right, title, and interest in, and RapidCents is free to use, without any attribution or compensation to you, any ideas, know-how, concepts, techniques, or other intellectual property and proprietary rights contained in the Feedback, for any purposes whatsoever and without any restriction of any kind. Where this assignment is prohibited by law, you grant RapidCents an exclusive, transferable, worldwide, royalty-free, fully paid-up license (including the right to sublicense) to use and exploit all Feedback as we may determine in our sole discretion. You understand and agree that RapidCents is not obligated to use, display, reproduce, or distribute any such ideas, know-how, concepts, or techniques contained in the Feedback, and you have no right to compel such use, display, reproduction, or distribution.

Chat: RapidCents may make an interactive online chat (“Chat”) service available to you, including, but not limited to, when providing customer service. RapidCents makes no warranty that the Chat service will be available at any particular time or be free of fault or error. If you are under 18 years of age and are invited to use the Chat service, you must not use the Chat service and you must leave the Site. During your use of the Chat service, you may interact with a bot, chatbot, virtual assistant, virtual concierge, or other non-human (each, a “Chatbot”). We will disclose the use of the Chatbot to the extent required by applicable law. When engaging with us through use of the Chat service, be advised that chats may be monitored and retained. The Chat service is provided as a convenience. Participating in the Chat service does not constitute consent by you or us to use electronic records and signatures as a substitute for written documents.

Limitation and Disclaimer of Warranties; Limitation of Liability

Our Obligations in Case of Damage or Loss: You agree that in the event of any damage to or loss of a RapidCents Product by us (or by our licensees, suppliers, fulfillers, owners and operators of Linked Sites, and RapidCents Merchants), even through negligence or other fault, our sole obligation (and the sole obligation of our licensees, suppliers, fulfillers, owners, and operators of Linked Sites and RapidCents Merchants), and your sole remedy, is at our option, to either: (i) replace the lost or damaged RapidCents Product(s) or (ii) provide you with a refund or credit for the cost of the purchase price for the lost or damaged RapidCents Product(s). You must submit a claim within thirty (30) days from your date of purchase in order to be eligible to receive a replacement, refund, or credit.

Please note that cards that have expired are not eligible for replacement or credit. An expired card is no longer valid, and we are unable to provide any services related to expired cards, including but not limited to balance transfers, replacements, or services related to lost or stolen cards.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RAPIDCENTS FOR ITSELF AND ITS LICENSORS, LICENSEES, SUPPLIERS, FULFILLERS, OWNERS AND OPERATORS OF LINKED SITES, AND RAPIDCENTS MERCHANTS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THE SITES, THE RAPIDCENTS PRODUCTS, OR ANY RAPIDCENTS CONTENT AND ALL WARRANTIES (INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, DURABILITY AND NON-INFRINGEMENT) ARE EXPRESSLY DISCLAIMED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SITES, CONTENT, AND THE PRODUCTS AND SERVICES AVAILABLE THROUGH THE SITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. NEITHER RAPIDCENTS NOR ANY OF ITS AFFILIATED COMPANIES, NOR ANY OF THEIR LICENSEES, SUPPLIERS, FULFILLERS, OWNERS AND OPERATORS OF LINKED SITES OR RAPIDCENTS MERCHANTS MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, SUITABILITY, OPERABILITY, CONDITION, SYSTEM INTEGRATION, NON-INTERFERENCE, WORKMANSHIP, TRUTH, ACCURACY, ABSENCE OF DEFECTS, WHETHER LATENT OR PATENT, OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THE SITES, OR AVAILABILITY OF ANY SITES. THE FOREGOING DISCLAIMER INCLUDES, WITHOUT LIMITATION, A DISCLAIMER OF ANY WARRANTY OR REPRESENTATION THAT THE SITES WILL BE UNINTERRUPTED, RELIABLE, SECURE OR ERROR FREE, OR THAT THE SITES OR OUR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE SITES WILL OTHERWISE MEET YOUR EXPECTATIONS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL WE (OR OUR LICENSEES, SUPPLIERS, FULFILLERS, OWNERS AND OPERATORS OF LINKED SITES OR RAPIDCENTS MERCHANTS) BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, INABILITY TO USE, ANY SITE, ANY CONTENT, OR ANY PRODUCTS OR SERVICES OFFERED THROUGH A SITE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, EXTRAORDINARY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, USE, DATA OR OTHER INTANGIBLES OR ECONOMIC ADVANTAGE), HOWEVER ARISING, EVEN IF WE, OR OUR LICENSEES, SUPPLIERS, FULFILLERS, OWNERS AND OPERATORS OF LINKED SITES OR RAPIDCENTS MERCHANTS, HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Termination of Access

We may, in our sole discretion, terminate or suspend your entry to and/or use of, any or all RapidCents Sites, Services, RapidCents Products, and/or any accounts you may have (collectively, your “Access”), at any time, with or without notice and for any reason (or no reason). You agree that if we terminate your Access, you will not: attempt, directly or indirectly, to enter, use and/or access the Site, Services, RapidCents Products, or your account until such suspension is lifted. We also reserve the right to cancel accounts that have been inactive for six months.

Privacy and Security

Privacy and Data Collection: Your use of a RapidCents Site is subject to the applicable privacy-related policies and notices of RapidCents set forth on the Site. To the extent permitted by applicable law, by accessing or using a RapidCents Site, you understand and agree that RapidCents may collect and retain personal or other information about you or the device you use to access the Site. By using a RapidCents Site, you consent to RapidCents’ use of analytics and monitoring tools to collect user interaction with our products.

Security: You agree not to violate or attempt to violate the security of any RapidCents Site, including without limitation: (a) accessing data that is not intended for your use; (b) logging on to a server or account that you are not authorized to access; (c) attempting to probe, scan, or test the vulnerability of any system or network related in any way to a Site without proper authorization; (d) attempting to breach security or authentication measures without proper authorization; (e) interfering or attempting to interfere with service to any user, host, or network.

Governing Law; Jurisdiction and Venue

If you are a consumer, these Site Terms of Use, their subject matter and their formation, are governed by the law of the country in which the RapidCents affiliate that owns the Site is incorporated. You and RapidCents both agree that the courts of that country will have exclusive jurisdiction.

If you are a business, these Site Terms of Use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by the law of the country in which the RapidCents affiliate that owns the Site is incorporated. You and RapidCents both agree to the exclusive jurisdiction of the courts of that country.

Cancellation Policy

Except to the extent a Site states otherwise, if you purchase a RapidCents Product from a Site, there are no refunds, and all sales are final.

Indemnification

You agree to defend, indemnify, and hold harmless RapidCents and its affiliates (and the officers, directors, agents, employees, and representatives of RapidCents and its affiliates), our licensees, suppliers and fulfillers, owners and operators of Linked Sites and RapidCents Merchants from and against any and all Claims and Damages arising out of or related to:

• (i) your use of a RapidCents Site, the materials it contains, and/or any Linked Sites;
• (ii) your breach of these Terms;
• (iii) your violation of applicable law;
• (iv) your infringement of any intellectual property right or other right of any person or entity;
• (v) actions taken by any person using your login information (User ID and password);
• (vi) your use of any Inappropriate Content; or
• (vii) any acts prohibited under Section 7 with respect to your Submitted Data.

General

• Assignment: We may assign our rights and responsibilities hereunder without notice to you.
• Severability; Waiver: If, for whatever reason, a court of competent jurisdiction finds any term or condition in these Terms to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect and any invalid provision will be replaced with a valid provision that most closely approximates the intent of the invalid provision. No waiver of any breach of any provision of these Terms shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.
• Amendment: We reserve the right to amend or modify these Terms or impose new conditions at any time. Such amendments and modifications will be effective immediately upon giving you notice by any means including, but not limited to, posting on the applicable Site.

Contact Us

Please contact us using the Contact Us link on the relevant RapidCents Site.

Updates to Terms of Use

This Agreement was last updated on 16th of OCTOBER 2024