✦ ELIGIBILITY
✦ LIABILITY
✦ SERVICES
✦ MEMBER'S ACCOUNTS
✦ ACCOUNT VERIFICATION
✦ DISPUTE RESOLUTION CHAMBER (DRC)
✦ PROHITBITED ACTIVITES
✦ REGULATED INDUSTRIES AND FEES
✦ ACCOUNT CLOSURE
✦ PROHIBITION AGAINST AML AND CTF
✦ SOLVEPAY-SKYBOX SERVICES

These are the Terms of Services you must agree to, prior to accessing the services of SolvePay. This is a contract between you and Solvepay, as well as its parent company IUPABS Ltd, that governs the use of SolvePay as a third-party payment processing service and any other related services ("Services") available through SolvePay.com ("Site"). If you do not wish to be binded by the Terms of Services of SolvePay, you can choose to not use this Site or any of the Services we render.

SolvePay reserves the right to amend its Terms of Services at any time by posting a revised version on the Site. All amendments will be effective immediately upon being posted on this Site. In this Terms of Services, "you" or "your" means any person or entity "Members" using the Service. Unless otherwise stated, "SolvePay", "we" or "our" will refer collectively to SolvePay, IUPABS Ltd. , its officers, directors, agents, subsidiaries, affiliates, employees and suppliers.

➤ COUNTRIES OF NO OPERATION

SolvePay's services are not offered in countries that have been sanctioned or placed on the Economic Embargo List by the USA, Canada or European Union.

➤ INDEMNIFICATION

You agree to defend, indemnify and hold SolvePay, Affiliates,Partners, officers, directors, agents, joint ventures, employees and suppliers harmless from any claim, demand (including attorneys’ fees), fine, or other liability incurred by any third party due to or arising out of your or your employees’ or agents’ breach of this Terms of Services and/or use of the SolvePay Services.

✦ ELIGIBILITY

You must be at least eighteen (18) years old to register on SolvePay.com for either a Primary or Secondary Services Account. A Secondary Services Account is also known as a “Business" or "Merchant" account. Members may choose to manage multiple businesses with one Secondary Services Account, or choose to open multiple Secondary Services Accounts for different online businesses. Both Sellers and Buyers of products and services (" Products ") can use the Services of SolvePay. Unless otherwise stated, all provisions in this Terms of Services apply to all registered members of SolvePay, including both Sellers and Buyers. Members agree that any information provided to us (" User Information ") will stay in our records unless otherwise agreed upon.

You represent and warrant that all of the following are true of you and your affiliates from your entry into this Agreement until the termination of your Account. If you are an entity other than an individual, you have the legal capacity to enter into this Agreement and perform the obligations represented within it. If you are an individual, then you are at least 18 years of age and do not require the consent, approbation or approval of any other person or entity to conclude a contractual obligation of the type represented in this Terms of Services.

✦ LIABILITY

Under no circumstances whatsoever shall SolvePay, our parent company IUPABS Ltd, partners, affiliates, officers, directors, agents, employees or suppliers be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our website, the SolvePay services or this Agreement (however arising, including negligence) unless and to the extent prohibited by law, our liability and the liability of our parent, partners, affiliates, officers, directors, agents, employees and suppliers, to you or any third parties in any circumstance is limited to zero.

➤ SOLVEPAY'S LIMITATIONS

SolvePay's is an online service provider to Sellers and Buyers from North-Central Americas, The Carribean and Africa. SolvePay is not acting as a trustee, fiduciary or escrow with respect to your funds, but is acting only as a payment processor, an intermediary agent between buyers and sellers online. SolvePay facilitates payment processing in a swift and secure way for its members online. In addition, our African and Caribbean members can use SolvePay's collection center's shipping address located in Ontario, Canada to receive the products they used SolvePay's services to purchase online. SolvePay will forward such products received at our collection center to our members' respective home countries, for a fee. African and Caribbean users are advised to contact us for further details. SolvePay is also a custodian to your funds transferred electronically online. SolvePay does not have control of, nor liability for, the products or services that are paid for using our Services. We do not guarantee the identity of any member or ensure that a Buyer or a Seller will complete a transaction.

➤ WARRANTY

SolvePay's services are provided "as is" and without any representation of warranty, whether expressed, implied or statutory. IUPABS Ltd. and its affiliates, officers, directors, agents, employees and suppliers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. SolvePay does not have any control over the products or services that are paid for using SolvePay's Services. SolvePay also cannot ensure that a Buyer or a Seller you are dealing with will actually complete the transaction or is authorized to do so. SolvePay does not guarantee continuous, uninterrupted or secure access to any part of SolvePay's Services as operation of our site may be temporarily suspended for maintenance or upgrade or interfered with by numerous factors outside of our control.

➤ MEMBERS' RESPONSIBILITIES

✦ SOLVEPAY'S SERVICES

✦ MEMBER'S ACCOUNTS

There are two types of SolvePay accounts - Primary Services Account (PSA) and Secondary Services Account (SSA). The PSA is a personal account that can be used for daily online needs, while the SSA is an account designed for businesses/companies that accept payments online. Both accounts can be opened FREE OF CHARGE. Choosing the appropriate account type is important to avoid issues with service limitations.

➤ FUNDING YOUR ACCOUNT

You can fund your SolvePay account using either a debit or credit card only. The following internationally and local cards are accepted and can be used:

Locally issued debit cards can also be used to fund your SolvePay account. If any member requests a transfer of funds that is above the limit allowed for his/her SolvePay account, the transaction will be rejected and the account will be immediately suspended pending investigation.

Once you have funded your SolvePay account, you can send funds to any merchant, anywhere in the world. Persons receiving money have the option of physically withdrawing it from their local bank. Members can shop and pay online with merchants accepting payments through SolvePay. If you need further explanation on how to add your credit/debit card to your SolvePay account, please visit our FAQ page for further details or contact our Support team.

✦ ACCOUNT VERIFICATION

✔ All persons wishing to use SolvePay are required to verify their account in order to gain access to our Services. We do this to comply with the Bank Secrecy Act, the Patriot Act and any other applicable Anti-Money Laundering and Anti-Terrorist Financing Legislation. Upon registration, you agree to complete the account verification procedure. Refusal to comply with account verification procedures will result in your account NOT being registered and hence you will not become a SolvePay member and be able to use SolvePay
✔ You authorize SolvePay, directly or through third parties, to make necessary inquiries to verify your identity. However, SolvePay cannot and does not guarantee any member's identity. SolvePay makes no representation or warranty to you regarding the identity of any given member
✔ If you are a Secondary Services Account holder, we may ask for proof of business ownership, such as an Article of Incorporation, General Business Registration, a Certificate of Good Standing, Doing Business As or a Tax Registration document, to verify your business
✔ If you wish to use SolvePay's Payment or Donate buttons to receive funds through your website(s), you must submit each of your website addresses to the Website Review team. Upon approval, you will then be able to integrate the payment buttons and thus receive payments through SolvePay. Thus, if you do not submit your website(s) to the Website Review team and subsequently do not receive website approval from SolvePay, you will not be able to receive payments on your website using our payment buttons or marketing tools.

➤ DOCUMENTS REQUIRED FOR VERIFICATION

To verify a Primary Services Account, the following is required:
✔ Clear current photograph of account holder
✔ Clear photograph of valid National I.D. of account holder (with photo)
✔ Verifiable National I.D includes Passport, Driver's License, National I.D card

To verify a Secondary Services Account, the following documents are required:
✔ Clear current photograph of account holder
✔ Clear photograph of valid National I.D. of account holder (with photo)
✔ Verifiable National I.D includes Passport, Driver's License, National I.D card
✔ Business Registration Certificate

✦ TRANSACTIONS

➤ PAYMENT ON-HOLD

SolvePay, in its sole discretion, may place a hold on any or all of the payments you receive if SolvePay believes there may be a high level of risk associated with you, your account, or any or all of your transactions. SolvePay's determination may be based on different factors and SolvePay may rely on information we receive from third parties. If SolvePay places a hold on a payment, the funds will appear as "Withheld" and the payment status will indicate the hold. If SolvePay places a hold on any or all of the payments you receive, SolvePay will provide you with notice of our actions. SolvePay will release the hold on any payment after 31 days from the date the payment was received into your Account, unless SolvePay has a reason to continue to hold the payment such as:

➤ INSUFFICIENT FUNDS

If you add funds to your SolvePay account and then attempt a transaction that cannot be completed due to insufficient funds, or if you requested a 'stop payment', you will be fined $50.00 USD per incident. Please ensure that you provide accurate data before initiating a transaction. You are required to ensure that you have sufficient funds in your SolvePay account before attempting any transaction. You may add funds at any time. If your account develops a negative balance due to insufficient funds, you agree to add funds into your account to cover the negative balance. If you do not, we reserve the right to recover the funds by any means necessary, including the involvement of a collections or law enforcement agency.

➤ WITHDRAWING FUNDS

All service refund will automataically credited into customer credit cards attached to your account, since that's where the funds will be credited to. A balance check of your debit or credit card will show the funds received through SolvePay once a transaction has been completed. Another option for receiving funds is to physically withdraw the funds from your local bank to which your debit/credit card is attached.

➤ RECURRING PAYMENTS

A recurring payment is a payment plan you set up with a Seller, in which you allow SolvePay to process pre-authorized payments for the subscription or recurring service. If you sign up for a subscription or recurring payment, you give SolvePay the right to process your pre-authorized payments.

If you wish to cancel a subscription, you must always cancel it from your SolvePay account, or contact our customer support to cancel it for you. If you merely unsubscribe from a seller's website alone, your subscription payment will not be cancelled. Please consult our FAQs for cancellation instructions.

➤ REFUNDS

If you are not 100% satisfied with your purchase, you must contact your Seller first, then SolvePay within 30 days from the purchase date. Once you and your Seller have agreed on a refund settlement on the disputed transaction, SolvePay will provide a full refund of your purchase in accordance with the settlement agreement reached between Buyer and Seller. For all purchases made via credit cards, refunds will be sent to the same. Members are advised to ensure their credit card information is up-to-date before adding it to their SolvePay account.

➤ CHARGEBACK PREVENTION

A chargeback is a process by which a credit or debit card holder forcibily recalls or reverses funds to his/her bank account, after authorizing a payment/transfer of funds. In the dispute of any online transaction, we encourage SolvePay members to apply the steps listed below before resorting to contacting his/her bank to iniate a chargeback on the card associated with their SolvePay account. We do not promote/encourage chargebacks on our platform.

The following are steps members must follow to avoid chargeback protracted stress:

In any online transaction, the best practice is to "do your due deligence" before you authorise payment to anyone online via SolvePay's Services. The best and most reasonable acceptable action on SolvePay regarding any online transaction after payment authorisation, is either CANCELLATION OR REFUND. Members can either cancel a transaction or ask for a refund from the Seller if the product purchased is not delivered, or the product does not meet the standard description in its original form as advertised by the Seller. At SolvePay, we support and encourage our members to always contact the Seller first to resolve the issue by asking for refund on any disputed transaction. If the Seller refuses, then our member can escalate the dispute by reporting the issue to SolvePay's Dispute Resolution Chamber (DRC).

A dispute report can be made within seven days of the transaction, from the member's account on SolvePay. Upon recieving a dispute report on our platform, we will quickly act to ensure the Seller issues a refund to the Buyer without any delay. If a Buyer or Seller initiates a chargeback on any credit card associated with his/her SolvePay account, instead of following the process described in this Terms of Service, the member's account will be suspend and the credit/debit card will debited through his/her issued bank by SolvePay for a non-refundable penalty fee of $500.00 USD.

➤ FUND RECOVERY

SolvePay does not gurantee fund recovery to anyone, but we will do our utmost best to retrieve the funds in question from the Seller's account once it is clear that the Seller did not fulfil their obigation to you as a customer, using our platform. If we are unable to do so, you agree and consent that you will not hold SolvePay, its affilliates or third party processing partners, liable for any losses you may incur from such transaction. Before authorising a final payment to anyone online, be sure you do your own research before authorising such transactions.

➤ "TELL A FRIEND" REFERRAL PROGRAM

You can earn extra cash through SolvePay by referring SolvePay to your friends or family members to register for our service using a link found on your profile or in an email. You can earn $0.10 for every qualifying referral. If you refer 250 persons to SolvePay within a month, you can earn $100.00 USD. To qualify for the reward, your referral must sign up for a Primary or Secondary account and conduct at least one transaction at minimum $10.00 USD. Self-referrals or referrals from the same IP address or device will not be rewarded. We reserve the right to change the conditions of the Referral Program at any time. Abuse of the Referral Program in any way will result in forfeit of referral rewards and account suspension.

✦ DISPUTE RESOLUTION CHAMBER

The Dispute Resolution Chamber (DRC) is a section dedicated to filing, responding to and resolving disputes between SolvePay members. The DRC is accessible via SolvePay members' accounts. SolvePay encourages members to resolve their disputes between themselves. If, however, a Buyer and Seller cannot reach a mutual agreement, the Buyer should then file a dispute via the DRC.

➤ TRANSACTION DISPUTES

Transaction disputes between a Buyer and a Seller are investigated within the Dispute Resolution Chamber. Disputes must be filed within 30 days of the completed payment transaction.

➤ FILING A DISPUTE

In order to dispute a transaction, a Buyer must file a dispute with the Resolution Chamber. SolvePay members may only file one dispute per transaction. When a Buyer files a dispute, the Seller is immediately notified. The Seller then has seven (7) calendar days to respond to the customer. If the Seller does not respond within this timeframe, the dispute will be escalated. If the seller responds to the customer, the Buyer then has seven (7) calendar days to respond to the Seller. If the Buyer does not respond to the Seller within this timeframe, SolvePay will consider this dispute resolved and close the dispute.
If a dispute is not resolved within fifteen (15) days from initiation, the dispute will be escalated.

➤ DISPUTE ESCALATION

A dispute is escalated if:
✔ The Seller has insufficient funds
✔ The Seller's account is under suspension, pending investigation
✔ The Seller is unresponsive
✔ The 15-day negotiation period is over
When a dispute is escalated, a Resolution Advisor will intervene and mediate the dispute in order to facilitate a resolution.

➤ ROLE OF THE RESOLUTION ADVISOR

The role of the Resolution Advisor is to mediate disputes that are unresolved between Buyers and Sellers. The Resolution Advisor will make a final and irrevocable decision to resolve the dispute. The Advisor's involvement and the rendering of a binding resolution protects the Buyer from fraudulent Sellers, as well as protecting the Sellers from false allegations of fraud.

➤ RESPONSIBILITY OF THE BUYER

It is the responsibility of the Buyer to read and understand the Refund Policy and Terms of Service (TOS) of the Seller. If the Buyer believes that the Seller failed to provide the product and/or service as stated in the Seller's Refund Policy and TOS, the customer may file a dispute with the Resolution Chamber.

➤ RESPONSIBILITY OF THE SELLER

It is the responsibility of the Seller to outline their Refund Policy and Terms of Service (TOS) to Buyers. The Seller must deliver the product and/or service to the Buyer as stated in the Seller's TOS at the time of purchase. If the product and/or service is not delivered as stated in the Seller's TOS, SolvePay's User Agreement will be used as evidence to prove that the Seller is wrong and liable.

➤ WHEN A DISPUTE IS CLOSED

If a dispute is resolved in the Buyer's favor, SolvePay will attempt to collect the funds from the Seller to transfer to the Buyer. However, fund recovery is not guaranteed. If there is not sufficient funds in the Seller's account to cover the Buyer's claim, the Seller will be fined $500.00 USD in addition to a fine of 10% of the transaction amount. In this light, SolvePay cannot guarantee a timeframe for dispute resolution reimbursement.

If the dispute is resolved in the Seller's favor, SolvePay will release the Seller's funds that were temporarily placed on hold during the dispute resolution process. The dispute will then be closed. The Buyer will not be able to file another dispute for the transaction in question. If a Resolution Advisor mediates a transaction dispute, both the Buyer and the Seller agree to a binding resolution rendered by the Resolution Advisor on behalf of SolvePay.

✦ PROHIBITED ACTIVITIES

➤ UNACCEPTABLE ACTIVITIES

The use of SolvePay's Services is subject to the following Unacceptable Activities. If not defined here, capitalized terms have the meaning stated in the applicable contract ("Agreement") between Buyer, Seller or other authorized member ("You") and SolvePay.

You agree NOT to do any of the following:

❎ To submit altered verification documents

❎ To use the Services to generate or facilitate unsolicited bulk commercial email

❎ To use the Services to violate or encourage the violation of the legal rights of others

❎ To use the Services for any unlawful, invasive, infringing, defamatory or fraudulent purpose

❎ To use the Services to intentionally distribute viruses, worms, Trojan horses, corrupted files, hoaxes or other products of a destructive or deceptive nature

❎ To interfere with the use of the Services or the equipment used to provide the Services

❎ To alter, disable, interfere with or circumvent any aspect of the Services

❎ To test or reverse-engineer the Services to find limitations, vulnerabilities or evade filtering capabilities

❎ To use the Services or a component of the Services in a manner not authorized by SolvePay

Your failure to comply with the list of Unacceptable Activities may result in suspension and/or termination of your account, pursuant to the Agreement. No member is authorized to use bots, spiders or other automated information-gathering devices or programming routines to "mine" information displayed, register member accounts, perform transactions or any other activities SolvePay considers inappropriate.

➤ FORBIDDEN ACTIVITIES

The sale, solicitation, offering, exchange or service of the following are not allowed:

❎ Imitation or replica products, under the pretense of being authentic or original. Accurate representation of products is required, whether replica or original
❎ Drugs and related paraphernalia (including but not limited to research chemicals and illicit herbal incense)
❎ Gambling and/or casinos (including but not limited to lottery, sweepstakes, horse and greyhound racing, sports betting, and virtual poker chips
❎ Pre-adult content, such as pictures, videos, etc., of individuals under the age of 18
❎ Any goods or services infringing intellectual property rights of a third party, including but not limited to streaming video/audio, illegal downloads, modification chips, DVD and Blu-Ray Disc decryption devices
❎ Selling of unregistered/unlicensed stocks, bonds, securities, options, futures, or investments in any entity or property, including (but not limited to) corporations and partnerships or sole proprietorship
❎ Services using credit card transactions as deposits or credits, including pre-loaded debit/credit/cash/virtual cards
❎ Hazardous materials, combustibles and/or corrosives
❎ Weapons (including but not limited to firearms and ammunition)
❎ Remote technical support services and computer virus software promoted using unsolicited emails or outbound telemarketing
❎ Money laundering
❎ Infringing on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy
❎ Violating any law, statute, ordinance, contract or regulation, including but not limited to those governing financial services, consumer protection, unfair competition, anti-discrimination or false advertising
❎ Being misleading, false or inaccurate in respect to SolvePay or any other member
❎ Any defamatory, trade libelous, unlawfully threatening or harassing statements or information
❎ Spamming (including and not limited to spam-ware, spy-ware, etc.)
❎ Using SolvePay as a virtual terminal
❎ Using e-currency exchangers or aggregation, unless approved by SolvePay
❎ Transmitting personal information of other SolvePay members to third parties
❎ Using or selling any form of e-cash, web cash or other matter, tangible or not, that is redeemable by a Buyer for a product or service from a third party
❎ Abusing the "Tell A Friend" program in any way we consider inappropriate
❎ Using the SolvePay brand to market or advertise your product(s)/service(s) in any capacity
❎ Threatening legal action against SolvePay and/or SolvePay employees or third party partners
❎ Diluting our traffic by using our Trademark (including but not limited to Adwords)

The above list of forbidden activities is not exhaustive, and may be updated at any time in order to satisfy SolvePay's risk management processes. Any uncertainty of merchant industry acceptance via SolvePay should be clarified by contacting the SolvePay Merchant Advisors at Merchantadvisor@SolvePay.com.

Anything that causes us to lose or become liable for, in whole or in part, the services of our sponsoring banks, Internet Service Providers or other suppliers is not allowed. If you use or attempt to use the Service for purposes other than what is stated, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of the Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution if necessary.

➤ PENALTIES

If you are found in violation of this Terms of Service and all terms herein, we reserve the right to fine you a penalty of $1,000.00 USD for a Primary Services Account holder, and a penalty of $2,500.00 USD for a Secondary Services Account holder. The associated account will also be terminated. All information provided to SolvePay by any violator will be submitted to local law enforcement personnel for prosecution. Sites that sell banned products or services are subject to immediate account termination. We also reserve the right to freeze or forfeit funds, as well as fine the account holder and/or cancel payments without notice.

We further reserve the right to penalize any and all fraudulent or negligent Sellers for using SolvePay as a shield for their business, for excessive refunds, transaction disputes, chargebacks, complaints, excessive burden, creating liability and damaging our credibility among our members and professional partners. The fine for the aforementioned will be a minimum of $500.00 USD per incident.

Abuse of the Referral Program may result in forfeiture of your referral rewards and account suspension. If you are responsible for any damage we consider extensive, we reserve the right to apply a monetary penalty of at least $500.00 USD per incident.

➤ OBTAINING A HOLD ON YOUR ACCOUNT

SolvePay reserves the right to apply a hold on funds in an account on a case-by-case basis. Rolling hold periods will be placed on an account based on a number of factors, including but not limited to the following:

✦ REGULATED INDUSTRIES

✦ ACCOUNT CLOSURE

SolvePay reserves the right to close any account and terminate this Agreement with no prior notice for any of the following reasons:
✂ More than one request for a chargeback, without following the process outlined above
✂ Sending unsolicited email or posting referral links on websites where they are not permitted
✂ Violating this User Agreement in anyway
✂ Using an anonymizing proxy
✂ Receiving excessive complaints from Buyers about your account, business or service
✂ Submitting altered verification documents

✦ ANTI-MONEY LAUNDERING AND COUNTER-TERRORISM FINANCING

As part of the information that is collected during our verification and AML procedures, SolvePay conducts verification through world-wide databases. At the forefront, these will include compliance with NCD (National Crime Database) requirements, global sanctions reports and government watch lists and rigorous screening processes. At any time, due to a requirement to satisfy any of the above verification methods, a client, business entity or any of the business entity owners or affiliates may be asked for specific documents or pieces of information to confirm their identity or provide additional information regarding any transaction, operation or even business dealings with certain individuals, institutions and dealings in geographical locations.

Should a situation arise where the nature of the business, specific geographical regulations or account activities fall in the scope of non-compliance in any applicable law or regulation, SolvePay will inform the client, business unit or any of the business owners or affiliates of the event and occurrence. For such instances, pre-verification and enhanced due diligence will be required prior to regaining active account status. In cases where compliance is not achieved pursuing remediation measures, SolvePay will see fit to terminate the account and may report the event and surroundings to the applicable law enforcement and regulatory authorities.

✦ SOLVEPAY SKYBOX SERVICE

We do not accept any product or items send from individual to our collection center. We are only accepting products or items ship directly from verified online brand stores in Canada or USA, If you are a resident of Canada or USA and wish to send clothing or your fashion items purchased to families, friends or love ones anywhere in the world, The product must be ship directly from the store that such a product is purchased and buyer must inform the store to send advance email notification from the store pre delivery before such item can be accepted into our collection center.

➤ SolvePay Skybox Prohibited Items:

➤ Products or Items acceptable in our collection center

As a Buyer : By Signing up for this Service You agree, consent to be legally biding by Solvepay.com Users terms and conditions" and you authourized SolvePay Skybox service to received "Your Legally' purchased products or Items from online stores in Canada or USA as intermidiary online services only. Any product ship or send to solvepay- skybox Product COLLECTION CENTER that deem to be purchased through fraud means will be return to the store without any cost to solvepay.com or solvepay skybox and managements and such user account will be suspend immediately without notification.

As a Seller : By shipping any products or items to our collection on behalf of your customers as he or she instructed, You agree and consented that you will not hold solvepay.com or solvepay-skybox service and its managements liable for any transactions related disputes between you and your customers. We encourage and advised all online stores to always do their due diligence in all online transactions, before shipping any product from their stores to Solvepay skybox collection, Sellers should ensure cash has been guarantee or credited to their store bank account before initiate a shipment to solvepay skybox collections center.

➤ Collection Center Shipout Time Frame

We intend to ship items to our caribbeans customers weekly and the rest of the world twice in a month. For details on skybox service charge goto Fees link on solvepay.com