TERMS AND CONDITIONS

1. About these Terms

These Terms and Conditions (the “Terms”) govern access to and use of the website and the services described on it by ALO3 LIMITED (“ALO3”, “we”, “us” or “our”). ALO3 is a company incorporated in Canada with its registered/head office at Suite 200, 1001 1 St SE, Calgary, Alberta T2G 5G3, Canada. You may contact us at alo3compliance@gmail.com.

By accessing the website, requesting information or entering into a service arrangement with ALO3, the business user (“Client”, “you” or “your”) agrees to these Terms. If you do not agree, do not use the website or services.

2. Business customers only

ALO3’s services are offered exclusively to businesses and other legal entities acting for business purposes (B2B). ALO3 does not offer services to consumers acting for personal, family or household purposes. A person accepting these Terms on behalf of an entity represents that they are authorised to bind that entity.

3. Description of services

Depending on the written scope agreed with a Client, ALO3 may provide business payment support, international remittance coordination, cross-border payment support, corporate transaction processing support, merchant payment solutions and financial operations assistance. The exact services, roles, deliverables, currencies, territories, timelines and applicable conditions will be set out in a separate proposal, order, service agreement or other written confirmation.

ALO3 may act as an intermediary, coordinator or service facilitator between a Client and independent third-party banks, payment service providers, financial institutions, merchants or other counterparties (“Payment Providers”). ALO3 does not represent that every Payment Provider or payment route will be available in every jurisdiction or at every time.

4. No custody of Client funds

Unless a separate written agreement expressly states otherwise and applicable law permits it, ALO3 does not accept deposits, hold, safeguard, maintain or control Client funds. Where a payment is arranged through a Payment Provider, the Client’s funds are paid directly by the Client to that Payment Provider or as otherwise instructed by the relevant Payment Provider. The Payment Provider, and not ALO3, is responsible for receiving, holding, safeguarding, executing, returning or settling those funds under its own terms and applicable law.

ALO3 does not operate a bank account for Clients and does not guarantee the actions, solvency, systems, processing times or decisions of any Payment Provider. The precise legal character of each service depends on the actual activities performed and the applicable agreement and law.

5. Client eligibility and responsibilities

The Client must:

• be duly organised, validly existing and authorised to conduct its business;
• provide complete, accurate and up-to-date corporate, ownership, director, representative, business activity and transaction information;
• ensure that each transaction has a lawful purpose and does not involve proceeds of crime, sanctions evasion, fraud, terrorist financing or other prohibited activity;
• provide documents and information reasonably requested for identity verification, beneficial ownership checks, sanctions screening, source-of-funds/source-of-wealth review and ongoing monitoring;
• ensure that its representatives are authorised and that payment instructions are accurate and properly approved;
• comply with all laws, regulations, sanctions, tax obligations and Payment Provider terms applicable to it.

The Client must promptly notify ALO3 of any material change to its ownership, control, business activities, address, regulatory status, authorised representatives or information previously supplied.

6. Compliance checks, refusal and suspension

ALO3 may conduct onboarding, due diligence, risk assessment, transaction review and ongoing monitoring, and may request additional information or documents. ALO3 may decline, delay, suspend or terminate a proposed service or instruction where it considers this necessary for legal, regulatory, compliance, fraud-prevention, security, risk-management or Payment Provider reasons. Where disclosure is restricted by law, ALO3 may be unable to explain the reason.

A Payment Provider may independently apply its own checks, limits, cut-off times, restrictions or refusal decisions. ALO3 cannot override those decisions.

7. Fees, exchange rates and taxes

ALO3 does not publish a standard tariff on the website. Fees, commissions, service charges, exchange-rate arrangements and any other amounts payable to ALO3 will be agreed individually with the Client and confirmed in writing before the relevant service is provided, where practicable. Payment Provider charges, intermediary bank fees, taxes and third-party costs may be separate and may be imposed by those third parties.

Unless expressly stated otherwise in writing, the Client is responsible for applicable taxes, duties, bank charges and third-party fees. Any exchange rate, conversion spread or currency amount must be confirmed in the applicable transaction documentation; indicative website or communication information is not a binding quote.

8. Third-party providers and external terms

Payment Providers are independent third parties and are not ALO3’s agents unless a written agreement expressly provides otherwise. Their services may be governed by separate terms, privacy notices, onboarding requirements and complaint procedures. The Client may be required to enter into a direct relationship with a Payment Provider. ALO3 is not responsible for third-party services, outages, processing delays, rejected payments, errors, insolvency, regulatory action or changes to a provider’s services, except to the extent liability cannot lawfully be excluded.

9. Website information and availability

Website content is provided for general information only and does not constitute an offer, commitment to process a transaction, financial, investment, legal, tax or accounting advice, or a guarantee that a service is suitable for a particular Client. We may update, suspend or withdraw website content or functionality at any time. We do not guarantee uninterrupted, error-free or secure access to the website.

10. Intellectual property and acceptable use

The website and its content, including text, graphics, logos, design and software, are owned by or licensed to ALO3 and are protected by applicable intellectual property laws. You may use the website for legitimate internal business evaluation only. You must not copy, modify, distribute, reverse engineer, interfere with, scrape or misuse the website, or use it for unlawful, fraudulent or misleading purposes.

11. Confidentiality and data protection

Each party must protect the other party’s non-public confidential information and use it only for the purposes for which it was disclosed, subject to disclosures required by law or to professional advisers, regulators, Payment Providers and service providers who need the information and are subject to appropriate confidentiality obligations. Personal data is handled in accordance with ALO3’s Privacy Policy.

12. Limitation of liability

To the maximum extent permitted by applicable law, ALO3 excludes liability for indirect, incidental, special, punitive or consequential loss, loss of profit, revenue, business opportunity, goodwill, anticipated savings, data or business interruption. ALO3 is not liable for acts or omissions of Payment Providers or other third parties, or for delays or failures caused by events beyond its reasonable control.

To the maximum extent permitted by law, ALO3’s aggregate liability arising out of or in connection with the relevant service will not exceed the fees actually paid to ALO3 for that service during the three (3) months preceding the event giving rise to the claim. This limit does not apply to liability that cannot lawfully be limited or excluded, including liability for fraud or wilful misconduct where such limitation is prohibited.

13. Indemnity

The Client will indemnify ALO3 and its directors, officers, employees and contractors against reasonable losses, claims, liabilities and expenses arising from the Client’s breach of these Terms, unlawful use of the services, inaccurate or misleading information, or violation of third-party rights or applicable law, except to the extent caused by ALO3’s own unlawful conduct.

14. Termination

Either party may end an ongoing service arrangement in accordance with the applicable written agreement. ALO3 may immediately suspend or terminate access or services where required by law, where a material compliance or security concern arises, or where the Client materially breaches these Terms. Provisions which by their nature should survive termination will continue to apply.

15. Governing law and disputes

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-law rules. The courts located in Calgary, Alberta, Canada will have exclusive jurisdiction, subject to any mandatory rights or jurisdiction rules that cannot lawfully be excluded.

16. Changes and general provisions

ALO3 may amend these Terms by posting an updated version on the website. The updated version will state its effective date and will apply prospectively. If any provision is found unenforceable, the remaining provisions will remain in effect. These Terms, together with any applicable written service agreement, form the agreement governing website use; a signed or otherwise accepted service agreement prevails over inconsistent website terms for the specific service.

17. Contact

For questions about these Terms, contact ALO3 LIMITED at alo3compliance@gmail.com or write to Suite 200, 1001 1 St SE, Calgary, Alberta T2G 5G3, Canada.