1. Definitions
“Vision Pay,” “we,” “our,” “us” refers to Vision Payments Ltd., operator of Vision Pay MSB. “User,” “you,” or “client” refers to any individual or entity accessing or using our website or services. “Services” refers to all financial tools and products offered by Vision Pay, including but not limited to IBAN accounts, e-wallets, SWIFT transfers, currency conversions, mass payments, prepaid cards, and API integrations.
2. Eligibility
To use Vision Pay’s services, you must:
- Be at least 18 years old
- Have the legal capacity to enter into binding agreements
- Not be prohibited from receiving financial services under applicable laws
- Provide accurate and complete information during registration and verification
3. Account Registration & Verification
Access to certain services may require you to create an account and complete identity verification (KYC/AML).
You agree to:
- Provide true, accurate, and updated information
- Notify us of any changes
- Maintain the confidentiality of your login credentials
4. Use of Services
You agree to use Vision Pay for lawful purposes only. You must not:
- Engage in fraudulent or unlawful activities
- Attempt to circumvent security features
- Exploit service vulnerabilities
- Interfere with system operations
- Use Vision Pay for prohibited industries or restricted transactions
5. Fees & Charges
Certain services may include fees such as:
- Transfer fees
- Currency conversion fees
- Card issuance or maintenance fees
- API usage fees
6. Compliance & Regulation
Vision Pay operates as a registered Money Services Business (MSB) under FINTRAC regulations.
Users agree to comply with:
- Anti-Money Laundering (AML) rules
- Know Your Customer (KYC) requirements
- Applicable local and international financial regulations
7. Intellectual Property
All content on the Vision Pay website—including logos, text, graphics, branding, and software—is the property of Vision Pay or its licensors.
You may not:
- Copy
- Reproduce
- Distribute
- Modify
- Exploit any content without prior written consent.
8. Service Availability
Vision Pay strives to maintain uninterrupted service. However, we do not guarantee that:
- Services will always be available
- Systems will be error-free
- Transactions will process without delay
9. Limitation of Liability
To the maximum extent allowed by law:
- Vision Pay is not liable for losses resulting from delays, system issues, or third-party services.
- We are not responsible for indirect or consequential damages, including loss of profits or data.
- You assume full responsibility for your use of the platform and services.
10. Termination
Vision Pay may suspend or terminate your account at any time if:
- You violate our Terms
- You provide false information
- Your activity is deemed suspicious or unlawful
- Required documents are not provided
11. Third-Party Links
Our website may contain links to third-party sites. These links are provided for convenience only.
Vision Pay is not responsible for:
- The content
- The security
- The privacy practices
12. Provacy & Data Protection
Your privacy is important to us. All personal information is handled in accordance with our Privacy Policy,which details:- How data is collected
- How data is stored
- How data is used
- Your rights
13. Changes to Terms
We may revise these Terms at any time. Updates will be posted on our website with a new “Last Updated” date.
Continued use of Vision Pay indicates acceptance of the revised Terms.
14. Governing Law
These Terms are governed by the laws of Canada, without regard to conflict-of-law principles. Any disputes shall be handled under the jurisdiction of British Columbia, Canada unless otherwise mandated by law.
15. Contact Information
For questions or support:
- Vision Payments Ltd.
- 322-901 3rd Street West
- North Vancouver, British Columbia
- Canada
- Email: contact@visionpayltd.com
