These Terms of Use ("Terms"), together with any documents referred to herein, form a binding contract between you and FORA PAY INC. ("Fora Pay", "we", "us", "our") and govern your access to and use of our website https://forapay.io (the "Site") and our services.
Please read these Terms carefully. By accessing or using the Site or our services, you agree to be bound by these Terms. If you do not agree, do not use the Site or our services.
1. About us
FORA PAY INC. is a corporation incorporated under the laws of the Province of Ontario, Canada, with its registered office at 220-1110 Finch Avenue West, Ontario, Canada.
We are registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), registration number N300000193.
Contact: info@forapay.io | +1 (647) 824-3697
2. Our services
Fora Pay provides payment processing and money services to business clients ("Merchants"). Our services include:
- merchant onboarding and Know Your Business (KYB) verification;
- payment acceptance from end customers via Open Banking;
- transaction processing and settlement to the Merchant's nominated account;
- currency conversion where applicable;
- a merchant dashboard and reporting; and
- related operational support.
We operate in partnership with licensed European banking partners that provide the regulated banking infrastructure underlying our services. Services are subject to successful completion of our KYB/AML onboarding process.
A separate Merchant Service Agreement between Fora Pay and the Merchant governs the commercial terms applicable to the use of the services, including fees, payout schedules, and Merchant-specific arrangements.
3. Eligibility
To be eligible to use our services as a Merchant, you must:
- be a legal entity duly incorporated and in good standing under the laws of a Member State of the European Union;
- have a lawful business that is not engaged in any of the prohibited activities listed in Section 5;
- not be a resident of, or operating from, a jurisdiction subject to comprehensive sanctions or otherwise prohibited by our internal policies;
- not be subject to sanctions under applicable Canadian, EU, UN, or US sanctions programmes;
- not have been previously suspended or restricted from using our services; and
- successfully complete our KYB onboarding process.
You represent and warrant that you have the legal authority to enter into these Terms on behalf of the Merchant and that all information you provide is complete, accurate, and not misleading.
4. Onboarding and AML compliance
4.1. We are required by law to perform Know Your Business (KYB) and Anti-Money Laundering (AML) checks on all Merchants before providing services. By using our services, you agree to provide all information and documentation reasonably requested for these purposes.
4.2. During onboarding and throughout the business relationship, you agree to:
- provide accurate and complete information during onboarding and at any time we reasonably request;
- not use our services for any unlawful purpose, including money laundering, terrorist financing, fraud, or sanctions evasion;
- cooperate with our compliance team and our banking partners' compliance requirements as required; and
- comply with all applicable laws, including consumer protection, data protection, and tax legislation.
4.3. Enhanced Due Diligence. If Fora Pay determines that enhanced due diligence (EDD) is required (including but not limited to where you are designated as a higher-risk Merchant under our risk-based approach), you agree to provide all requested information and documentation, including source of funds, source of wealth, business activity descriptions, and supporting documents. Fora Pay reserves the right to limit, suspend, or refuse access to Services if you do not meet our internal compliance standards.
4.4. Consequences of False or Incomplete Information. If you fail to provide requested verification materials, or if such materials are determined to be false, incomplete, or misleading, Fora Pay may suspend, restrict, or terminate access to Services without prior notice and without liability.
4.5. Notification of Changes. You must notify Fora Pay without delay, and no later than two (2) Business Days, of any changes to your directors, shareholders, trustees, ultimate beneficial owners, registered office, business activities, regulatory status, or any other material change to the information previously provided.
4.6. Ongoing Monitoring. Fora Pay conducts ongoing monitoring of all Merchant relationships as required by FINTRAC and applicable law. You agree to respond to periodic requests for updated information in a timely and complete manner.
4.7. FINTRAC Reporting. Fora Pay is required to report certain Transactions to FINTRAC, including suspicious transactions and electronic funds transfers, as mandated by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). You acknowledge and consent to such reporting and waive any claim of breach of confidentiality arising from such reporting.
4.8. Additional Compliance Requests. Fora Pay may from time to time request additional information or documentation from you for compliance purposes, including but not limited to source of funds verification, transaction justification, and updated identification documents. You agree to respond to such requests promptly and in full. Failure to do so may result in delays, suspension, or termination of Services.
4.9. We reserve the right to refuse service, suspend access, or terminate the business relationship at our sole discretion, including for compliance reasons.
5. Prohibited activities
You agree that you will not, directly or indirectly, use our services for or in connection with any of the following activities:
- money laundering, terrorist financing, or sanctions evasion;
- fraud, deception, or any other unlawful activity;
- unlicensed gambling, betting, or wagering services;
- adult content involving minors, non-consensual content, or any other illegal content;
- sale of weapons, ammunition, or military equipment;
- sale of controlled substances, narcotics, or unauthorised pharmaceuticals;
- counterfeit goods, intellectual property infringement, or piracy;
- pyramid schemes, multi-level marketing schemes, or Ponzi schemes;
- unlicensed securities or investment products;
- virtual currency, crypto-asset, or digital asset services unless expressly agreed in writing;
- payment aggregation or facilitation on behalf of further merchants without our prior written consent; and
- any activity that we determine, at our sole discretion, poses an unacceptable legal, regulatory, financial, or reputational risk.
6. Fees
Fees applicable to the services are set out in the Merchant Service Agreement. Fees may be deducted from incoming transaction amounts before settlement to the Merchant or invoiced separately at our discretion.
All fees are exclusive of VAT or other applicable taxes, which will be added at the prevailing rate where applicable. The Merchant is solely responsible for any taxes applicable to its business and transactions.
7. Funds and settlement
Funds received from end customers are held with our licensed European banking partner on a segregated basis pending settlement to the Merchant in accordance with the Merchant Service Agreement.
Fora Pay does not accept deposits, hold funds as a credit institution, or provide savings or custodial services. No interest accrues on funds processed through our services.
We may apply a rolling reserve or transaction holdback as specified in the Merchant Service Agreement to cover potential refunds, recalls, disputes, or other contingent liabilities.
8. Acceptable use of the Site
You must use the Site lawfully and in accordance with these Terms. You must not:
- use the Site for any unlawful, fraudulent, or harmful purpose;
- transmit malware, viruses, or other harmful code;
- attempt to gain unauthorised access to our systems or accounts;
- breach, override, or circumvent any security or authentication measures;
- scrape, harvest, or copy content from the Site without our prior written consent; or
- engage in any conduct that damages our reputation or the interests of other users.
9. Intellectual property
All content on the Site, including text, graphics, logos, software, and design, is owned by or licensed to Fora Pay and is protected by applicable intellectual property laws. You may not reproduce, distribute, or exploit any content without our prior written consent.
10. Disclaimers
To the fullest extent permitted by law:
- the Site and services are provided on an "as is" and "as available" basis without warranties of any kind;
- we do not guarantee continuous, uninterrupted, or error-free access to the Site or services;
- nothing on the Site constitutes financial, investment, legal, or tax advice on which you should rely.
11. Limitation of liability
To the fullest extent permitted by applicable law, we exclude all liability for indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of business, loss of goodwill, loss of data, or business interruption.
Our aggregate liability to a Merchant in any twelve (12) month period shall not exceed the total fees paid by the Merchant to us during the twelve (12) months preceding the event giving rise to the claim.
Nothing in these Terms excludes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.
12. Indemnification
You agree to indemnify and hold Fora Pay, its affiliates, officers, directors, employees, and agents harmless from and against any claims, losses, liabilities, damages, fines, penalties, and reasonable legal fees arising out of or related to: your breach of these Terms, your breach of applicable law, any inaccurate or misleading information you provide, any unauthorised use of our services, or any end customer claim, refund, or dispute relating to your products or services.
13. Suspension and termination
We may suspend, restrict, or terminate your access to our services at any time, including (without limitation) where:
- you commit a material breach of these Terms or the Merchant Service Agreement;
- we believe you are engaged in fraudulent, unlawful, or prohibited activity;
- you provide false, misleading, or incomplete information;
- we believe continuing the relationship presents a regulatory, compliance, financial, or reputational risk;
- you become subject to insolvency, bankruptcy, or similar proceedings;
- you are designated under any applicable sanctions regime; or
- we are required to terminate the relationship by a competent authority or by our banking partners.
On termination, all outstanding transactions will be completed or settled in accordance with their terms, subject to any holds or reserves required for compliance or risk reasons.
14. Communications
You consent to receive communications from us electronically, including by email and through the merchant dashboard. Communications include account notices, transaction confirmations, service updates, and amendments to these Terms.
Marketing communications are subject to applicable law, including Canada's Anti-Spam Legislation (CASL) and the EU ePrivacy Directive. You may unsubscribe from marketing communications at any time.
15. Privacy
The use of our Site and services is subject to our Privacy Policy and Cookie Policy, both available on our website and incorporated into these Terms by reference.
16. Changes to these Terms
We may update these Terms from time to time. The updated version will be published on the Site with a revised "Last updated" date. Continued use of the Site or services after such changes constitutes acceptance of the updated Terms. We will provide reasonable advance notice of any material adverse changes.
17. Governing law and jurisdiction
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles, except that mandatory provisions of the law of the Merchant's country of establishment (including the GDPR and EU consumer protection law) shall apply where required by law.
Any disputes shall be submitted to the non-exclusive jurisdiction of the courts of the Province of Ontario, Canada, except where the Merchant is entitled by mandatory law to bring a claim in another competent forum.
18. General
Severability. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.
No waiver. Our failure to enforce any provision is not a waiver of that provision.
Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a corporate transaction or to an affiliate.
Entire agreement. These Terms, together with the Merchant Service Agreement, Privacy Policy, and Cookie Policy, constitute the entire agreement between you and us.
Language. These Terms are drafted in English. Translations may be provided for convenience; in the event of inconsistency, the English version prevails.
19. Contact us
FORA PAY INC.
220-1110 Finch Avenue West, Ontario, Canada
Email: info@forapay.io
Phone: +1 (647) 824-3697
1. Who we are
FORA PAY INC. ("Fora Pay", "we", "us", "our") is a corporation incorporated under the laws of Ontario, Canada, registered as a Money Services Business (MSB) with FINTRAC (registration number N300000193).
This Privacy Policy explains how we collect, use, and share personal information.
Registered address: 220-1110 Finch Avenue West, Ontario, Canada
Contact: info@forapay.io | https://forapay.io
Depending on your jurisdiction, processing of your personal data is regulated under the Personal Information Protection and Electronic Documents Act (PIPEDA), the General Data Protection Regulation (EU) 2016/679 (GDPR), and the e-Privacy Directive 2002/58/EC, the UK GDPR where applicable, and other applicable data protection laws (collectively, "Data Protection Laws"). Fora Pay acts as controller of your personal data for the purposes of those laws.
2. Scope
This Privacy Policy applies to personal data processed when you:
- visit our website https://forapay.io;
- use our services as a merchant client or as a representative of a merchant client (Terms of Use);
- pay a Fora Pay merchant as an end customer of that merchant; or
- are contacted by us in connection with marketing, partnerships, or other communications.
3. What personal data we collect
3.1 Website visitors
- device and browser information;
- IP address, pages visited, time spent, referring URLs, access timestamps;
- data submitted through contact or enquiry forms.
3.2 Merchant clients and their representatives
During onboarding and the business relationship we collect:
- identity data: legal entity name, registration number, registered address, jurisdiction of incorporation;
- representative and beneficial owner data: full name, date of birth, nationality, government-issued ID documents, role within the merchant;
- contact data: email, telephone, business address;
- financial data: bank account details for payouts, transaction history, source of funds documentation;
- verification data: results of identity and document checks performed by our KYC providers;
- compliance data: PEP and sanctions screening results.
3.3 End customers of our merchants
When an end customer pays a Fora Pay merchant, we may process:
- payment data: account identifier (IBAN or equivalent), amount, currency, reference, status, timestamp;
- name as transmitted as part of the payment instruction;
- technical data: IP address, device fingerprint, session identifiers, where applicable.
4. Data from third-party sources
We may receive data from:
- KYC and identity verification providers;
- sanctions and PEP databases;
- transaction monitoring and fraud prevention services;
- public sources (corporate registries, business directories); and
- our financial and banking partners.
5. Legal bases for processing
We process personal data on the following legal bases under the GDPR:
- Contract performance — to provide the services you have requested;
- Legal obligation — to comply with FINTRAC/PCMLTFA, AML/CTF laws, sanctions screening, and other regulatory obligations;
- Legitimate interests — to prevent fraud, secure our services, operate our business, and conduct direct marketing (subject to your right to object); and
- Consent — where we ask for and receive your explicit consent, including for certain cookies and marketing communications.
6. How we use personal data
We use personal data to:
- verify the identity of merchants and conduct KYB/AML checks;
- provide, administer, and improve our services;
- process payments and maintain transaction records;
- screen against sanctions lists and PEP databases;
- comply with FINTRAC reporting and other regulatory obligations;
- detect, investigate, and prevent fraud and financial crime;
- communicate with you about your account and our services;
- respond to enquiries and complaints; and
- send marketing communications where you have consented or where we have a legitimate interest.
7. Sharing personal data
We may share personal data with:
- our banking and payment partners — for the operation of the payment service;
- KYC and identity verification providers;
- sanctions, PEP, and transaction monitoring providers;
- FINTRAC and other competent authorities as required by law;
- law enforcement agencies, courts, or regulators when legally required;
- legal and professional advisors; and
- IT infrastructure, security, and customer support providers.
We do not sell personal data to third parties.
Where personal data is transferred outside Canada or the European Economic Area, we ensure appropriate safeguards are in place, including Standard Contractual Clauses or reliance on adequacy decisions (such as the European Commission's adequacy decision for Canada and for the United Kingdom).
8. Retention
We retain personal data for as long as necessary for the purposes set out in this Policy and in accordance with our legal obligations:
- KYB and identity records: minimum five (5) years after the end of the business relationship (PCMLTFA requirement);
- Transaction records: minimum five (5) years;
- Correspondence and communications: minimum five (5) years; and
- Marketing data: until you unsubscribe or object.
Longer retention may apply where required by applicable law or regulatory guidance.
9. Security
We implement appropriate technical and organisational measures to protect personal data, including encryption in transit and at rest, access controls, multi-factor authentication, audit logging, and staff training. We maintain incident response procedures and will notify affected individuals and relevant authorities of any data breach where required by law.
10. Your rights
Subject to applicable law, you may have the following rights:
- Right of access — to obtain a copy of your personal data;
- Right to rectification — to correct inaccurate data;
- Right to erasure — to request deletion of your data, subject to our legal obligations;
- Right to restriction — to limit how we process your data;
- Right to object — to processing based on legitimate interests, including direct marketing;
- Right to data portability — to receive your data in a structured, machine-readable format; and
- Right to withdraw consent — at any time, without affecting the lawfulness of prior processing.
Some rights are limited where we are required to retain data by law (for example, AML/FINTRAC obligations).
To exercise your rights, contact us at info@forapay.io. We will respond within the timelines required by applicable law (one month under GDPR, 30 days under PIPEDA).
11. Complaints
If you have concerns about our data handling, please contact us first. If you are not satisfied, you may lodge a complaint with:
- Canada: Office of the Privacy Commissioner of Canada (OPC), www.priv.gc.ca;
- EU/EEA: the data protection authority of your country of residence.
12. Cookies
Please refer to our Cookie Policy for details on how we use cookies and your choices.
13. EU representative
For data subjects in the European Union, we have appointed an EU representative under Article 27 GDPR. Contact details will be published here once appointed.
14. Children
Our services are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors.
15. Changes to this Policy
We may update this Policy from time to time. Material changes will be communicated by email or a notice on our website. The latest version will always be available on this page.
16. Contact us
Privacy Officer, FORA PAY INC.
Email: info@forapay.io
Address: 220-1110 Finch Avenue West, Ontario, Canada
This Cookie Policy explains how FORA PAY INC. ("Fora Pay", "we", "us", "our") uses cookies and similar technologies on https://forapay.io and any other website or service that links to this Policy (the "Site").
What are cookies?
Cookies are small text files placed on your device when you visit a website. They allow the website to recognise your device, remember your preferences, and improve your experience.
How we use cookies
We use the following categories of cookies:
Strictly necessary cookies. Required for the Site to function — for example, to keep your session secure and remember your cookie choices. These cannot be disabled.
Functional cookies. Remember choices you make so you don't have to set them again on subsequent visits.
Analytics cookies. Help us understand how visitors use the Site so we can improve it. We use aggregated, non-identifying statistics.
Marketing cookies. Used to deliver and measure the effectiveness of marketing campaigns.
How long cookies stay
Session cookies are deleted when you close your browser. Persistent cookies remain on your device for a defined period (typically up to six months) or until you delete them.
Managing your cookies
You can manage your cookie preferences at any time using the "Cookie Settings" link in the footer of our Site. You can also disable or delete cookies through your browser settings; refer to your browser's help menu for instructions.
If you disable certain cookies, parts of the Site may not work as intended.
Third parties
Some cookies are set by third-party service providers, including analytics and marketing partners. These third parties may use cookies to collect information about your activities on our Site and across other websites.
Changes to this Policy
We may update this Cookie Policy from time to time. The latest version will always be available on this page.
Contact
For questions about this Cookie Policy, please contact us at info@forapay.io.
This summary describes the key elements of the Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) programme maintained by FORA PAY INC. The full policy and operational procedures are maintained as internal documentation and are available to regulators, financial partners, and counterparties upon legitimate request.
1. Company overview
FORA PAY INC. is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), registration number N300000193.
We are subject to the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and applicable FINTRAC guidelines.
Registered address: 220-1110 Finch Avenue West, Ontario, Canada
Compliance contact: info@forapay.io
2. Compliance Officer
Fora Pay has designated a qualified Compliance Officer responsible for overseeing the AML/CTF programme, reviewing and updating policies, managing FINTRAC reporting obligations, and providing AML/CTF training to staff.
3. Risk-based approach
We apply a risk-based approach to AML/CTF compliance. Merchants are assessed for risk based on factors including jurisdiction, business model, transaction patterns, and source of funds. Enhanced due diligence is applied to higher-risk merchants.
4. Know Your Business (KYB)
We verify the identity of our merchants and their ultimate beneficial owners (UBOs) in accordance with FINTRAC guidelines and our internal Customer Identification Programme. Verification includes:
- legal entity identification (registration documents, jurisdiction of incorporation);
- identification of directors, authorised signatories, and UBOs holding 25% or more;
- verification using government-issued identity documents;
- business model and source of funds assessment; and
- enhanced due diligence for Politically Exposed Persons (PEPs) and higher-risk merchants.
5. Ongoing monitoring
We conduct ongoing monitoring of merchant relationships and transactions, including transaction monitoring, periodic review of merchant information, and monitoring for changes in merchant risk profile.
6. Sanctions screening
All merchants and transactions are screened against applicable sanctions lists, including the UN Security Council Consolidated List, the OSFI Consolidated Sanctions List (Canada), the EU Consolidated Financial Sanctions List, and PEP databases.
Transactions involving sanctioned individuals, entities, or jurisdictions are blocked and reported as required by law.
7. FINTRAC reporting
We comply with mandatory FINTRAC reporting obligations, including Suspicious Transaction Reports (STR), Large Virtual Currency Transaction Reports (LVCTR) where applicable, Electronic Funds Transfer Reports (EFTR), and Terrorist Property Reports (TPR).
8. Record keeping
We maintain records in accordance with PCMLTFA requirements, including merchant identification records, transaction records, and business relationship records, for a minimum of five years.
9. Training
All staff involved in customer-facing or compliance functions receive AML/CTF training at onboarding and at least annually thereafter.
10. Prohibited jurisdictions
We do not provide services to merchants in jurisdictions subject to comprehensive sanctions or identified as high-risk by FINTRAC or FATF. A full list is maintained internally and reviewed regularly.
11. Policy review
This policy and summary are reviewed at least annually and updated as required to reflect changes in applicable law, FINTRAC guidance, or business activities.
1. About this Policy
FORA PAY INC. ("Fora Pay", "we", "us", "our") is a corporation incorporated under the laws of the Province of Ontario, Canada, with its registered office at 220-1110 Finch Avenue West, Ontario, Canada, registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), registration number N300000193.
From time to time, Fora Pay receives information requests concerning its merchant clients and transactions from law enforcement agencies, regulators, and other competent authorities. This page explains how such requests are processed.
2. Types of information requested
When Fora Pay is contacted by law enforcement, requests generally relate to two categories of data:
- Identity information — information about the identity of a merchant, its directors, its ultimate beneficial owners, or authorised representatives; and
- Transaction information — information about payment activity processed through our services, including transaction records and related data.
3. Legal process requirements
When an information request is received, Fora Pay requires that it be accompanied by appropriate and valid legal process (such as a court order, production order, subpoena, warrant, or equivalent lawful authority of the requesting jurisdiction).
Fora Pay reviews each request to confirm that:
- it has a valid legal basis;
- it originates from a competent and duly authorised authority; and
- any response is narrowly tailored, so that only the data to which the requesting authority is lawfully entitled is provided.
We may decline, narrow, or require clarification of requests that do not meet these standards.
4. Emergency requests
Where law enforcement submits a request asserting an emergency involving an imminent risk of death or serious physical harm, Fora Pay may review and respond to the request on an expedited basis, to the extent permitted by applicable law.
5. Mandatory reporting
Independently of law enforcement requests, Fora Pay is required by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) to report certain matters to FINTRAC, including suspicious transactions, electronic funds transfers, and terrorist property. These reporting obligations apply regardless of whether a law enforcement request has been received.
In accordance with section 8 of the PCMLTFA, Fora Pay and its staff are prohibited from disclosing the existence or content of a suspicious transaction report, or the fact that such a report has been or will be made, to the merchant concerned or any other party (the "tipping-off" prohibition).
6. Disclosures to protect Fora Pay and others
Fora Pay reserves the right to make disclosures to competent authorities where we consider it necessary to protect Fora Pay, our partners, our merchant clients, or third parties, or to prevent or investigate suspected fraud, financial crime, or other unlawful activity, in each case to the extent permitted by applicable law.
7. Data protection
Personal data disclosed in response to law enforcement requests is processed in accordance with our Privacy Policy, available at https://forapay.io/privacy-policy, and applicable data protection law, including PIPEDA and the GDPR where applicable.
8. How law enforcement can contact us
Law enforcement agencies and competent authorities may submit requests, accompanied by appropriate legal process, to:
FORA PAY INC.
Attn: Compliance Department
220-1110 Finch Avenue West, Ontario, Canada
Email: info@forapay.io
We request that submissions clearly identify the requesting authority, the legal basis for the request, and the specific information sought.
9. Changes to this Policy
We may update this Policy from time to time. The latest version will always be available on this page.
1. About this Policy
FORA PAY INC. ("Fora Pay", "we", "us", "our") is committed to providing a high standard of service to its merchant clients. This Policy explains how to raise a complaint and how we handle complaints we receive.
This Policy applies to complaints from merchant clients and their authorised representatives. End customers of our merchants should direct complaints about goods, services, or transactions to the relevant merchant, who is the seller and party responsible for the underlying commercial relationship.
2. How to submit a complaint
If you are dissatisfied with any aspect of our services, please contact us with the details. You can submit a complaint by email to:
info@forapay.io
To help us resolve your complaint efficiently, please include:
- your name and the legal name of the merchant you represent;
- your contact details;
- a clear description of the issue, including relevant dates;
- any reference numbers or supporting information; and
- the outcome or resolution you are seeking.
3. How we handle complaints
We aim to handle all complaints fairly, consistently, and promptly. Our process is as follows:
- Acknowledgement. We will acknowledge your complaint, normally within two (2) Business Days of receipt.
- Investigation. We will investigate your complaint and may contact you for further information where required.
- Resolution. We aim to provide a final written response as soon as reasonably possible, and normally within fifteen (15) Business Days of receipt. Where a complaint is complex and cannot be resolved within this period, we will inform you of the reason for the delay and provide an expected timeframe for resolution.
4. If you are not satisfied
If you are not satisfied with our final response, you may escalate the matter within Fora Pay by requesting that it be reviewed by our Compliance Department at info@forapay.io.
Where your complaint relates to the handling of personal data, you may also contact the relevant data protection authority, as set out in our Privacy Policy at https://forapay.io/privacy-policy.
Where regulated payment services connected to your complaint are provided by a licensed financial partner, your complaint may be referred to that partner, or to the dispute resolution or supervisory body applicable to that partner, and we will assist in directing your complaint appropriately.
5. Records
We maintain records of complaints and their resolution in accordance with our record-keeping obligations and applicable law.
6. Contact
FORA PAY INC.
Attn: Compliance Department
220-1110 Finch Avenue West, Ontario, Canada
Email: info@forapay.io
7. Changes to this Policy
We may update this Policy from time to time. The latest version will always be available on this page.