FairPay enables users to hold balances in a digital wallet and transfer funds across borders using peer-to-peer (P2P) and currency-exchange bidding mechanisms, so that cross-border remittances can be completed as domestic-style payments where supported.

• check_circle You must be at least 18 years old.
• check_circle You must provide accurate identity information and complete verification (KYC) when required.
• check_circle You must be legally permitted to use money-transfer and payment services in your jurisdiction.
• check_circle We may refuse, suspend, or limit service where required by law or our risk policies.

To use FairPay you must create a profile, verify your identity, and maintain the security of your login credentials and devices. You are responsible for all activity under your account. Notify us promptly of any unauthorized use at [email protected].

• Wallet funding, withdrawals, and P2P / FairPay exchange transfers are subject to availability, limits, and compliance checks.
• Before each transfer you must review and accept the applicable transaction terms. Once confirmed, your authorization is binding and your wallet may be debited.
• Quoted rates, bids, and fees may change until a transaction is confirmed according to the product flow.
• Supported corridors and currencies are described on our supported countries page and may change over time.

Applicable fees, FX spreads, and partner charges will be disclosed in the app before you confirm a transaction. You are responsible for any taxes arising from your use of the services.

• Use FairPay only for lawful personal or business purposes.
• Do not use the platform for money laundering, fraud, sanctions evasion, or other illegal activity.
• Ensure payee details and transfer amounts are correct before confirming.
• Cooperate with identity, source-of-funds, and other compliance requests.

P2PHub complies with applicable anti-money laundering (AML), counter-terrorist financing (CTF), and sanctions requirements. We may delay, block, reverse, or report transactions, and freeze or close accounts, where required by law or our compliance program.

We aim to process transactions according to our operational service levels. We are not responsible for delays or failures caused by circumstances beyond our reasonable control, including banking partners, payment networks, telecommunications failures, force majeure, or third-party service disruptions.

FairPay, P2PHub, BorderKonnect, and related logos, software, and content are owned by P2PHub or its licensors. You receive a limited, non-exclusive, non-transferable license to use the app solely to access the services.

Services are provided “as is” and “as available” to the fullest extent permitted by law. To the maximum extent permitted by applicable law, P2PHub and its directors, employees, and partners are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from your use of FairPay. Our aggregate liability for any claim relating to the services is limited to the fees you paid to us for the transaction giving rise to the claim in the three (3) months preceding the event, except where liability cannot be limited by law.

You may stop using FairPay at any time. We may suspend or terminate access if you breach these Terms, pose unacceptable risk, or if required by law. Upon closure, remaining eligible balances may be returned subject to verification, fees, and legal holds.

We may update these Terms periodically. The Effective Date above will be revised when changes are posted. Continued use of FairPay after changes take effect constitutes acceptance of the updated Terms.

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, unless mandatory local consumer law provides otherwise.