Introduction

In this client agreement, “Lowbee Technologies Limited” “we” “us” and “our” refers to Lowbee Technologies Limited Technologies Limited, together with its employees, directors, successors, and assigns. The terms 'you' and 'your' refer to you, the person who has registered to use some or all of the services described in the Agreement as a sender.

Lowbee Technologies Ltd is a FinTech with bank-to-bank offering, we do not accept or terminate cash.

Lowbee Technologies Limited is a Canadian corporation with registration number 1618643-2, it is authorized and regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) with business registration number (C100000277) to deal in foreign exchange and money transfer activities.

General provision

1. About these Terms

1.1 Contract

1.1.1 These terms and conditions affect your rights and you should read them carefully. By accessing and using the remittance facility application, you accept and agree to the terms and conditions in this agreement. You must confirm your consent to this agreement by ticking both the Terms and Conditions and the 'CONTINUE' or 'ACCEPT' button and ensuring all sections have been fully and accurately completed. If you do not, we may not be able to provide you the appropriate access.

1.2 Amending this Agreement

1.2.1.Lowbee Technologies Limited may in its sole discretion modify this agreement from time to time. However, you will be notified and given the opportunity to review them before they take effect, unless changes are required by law.

1.2.2Unless otherwise specified by Lowbee Technologies Limited, all modifications shall take effect automatically upon publication and shall become part of this agreement. You will be aware of any changes to the terms and conditions immediately they are made, and by continuing to access or use Lowbee Technologies Limited applications, you will be deemed to have accepted and agreed to be bound by any modifications to this agreement.

1.2.3. Changes to these terms and conditions will only be effective from the date they are made and will not change the terms on which you previously used the service.

1.3. Prohibition of Use

You agree to use Lowbee Technologies Limited Platform strictly for personal, internal and non-commercial use. Third-party funding is NOT permitted. You can only fund your account using a bank account or payment instrument issued by a Canadian institution under your name. The name must match the verified name within your Lowbee Technologies Limited profile. Lowbee Technologies Limited reserves the right to reject any deposit from third parties. Lowbee Technologies Limited Platform is licensed to you on a non-transferrable or non-exclusive basis. You shall not rent, lease, sell, sublicense, lend or do any act that violates our intellectual property in the Service. You may however, download, retrieve and display the Service from the website on the computer screen, print individual pages on paper, photocopy and store such pages in an electronic form on disk, provided all the intellectual property in the Service continues to vest with us.

PLEASE NOTE: The elements of the website including all parts of the service (“Intellectual Property”) is owned by us and/or our suppliers and is protected by copyright and trademark laws, international treaty provisions, and this Terms of Use. Any reproduction, modification, copying, distribution, transmission, display, publishing, or redistribution of the Service is expressly prohibited by law and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

2. Account Registration and Requirements

2.1. Registration

2.1.1All new Users must sign up for an Lowbee Technologies Limited Account before using any Lowbee Technologies Limited Services.

2.1.2Your Lowbee Technologies Limited account is not issued by a bank. Therefore, no interest will accrue or be paid on account balances.

2.1.3In compliance with the Canadian Anti-Money Laundering law, we are required to obtain, verify, and record information about you. Therefore, you agree: to provide us with all relevant information and documents requested by us, and all other information as prompted by the service’s registration form; that all information provided to Lowbee Technologies Limited at any time, is accurate and current, and no material information has been withheld; that you will update any information immediately at the time of changing, to keep it accurate, current and complete; and that Lowbee Technologies Limited may lawfully conduct necessary customer due diligence directly or through a third party to verify your identity as part of the registration process.

2.1.4Furthermore, by entering into this agreement, you are consenting to Lowbee Technologies Limited making inquiries with third parties, including but not limited to credit bureaus’, council registers, driving agencies, to verify the information that you supply as part of the account opening process.

WHERE INFORMATION PROVIDED IS MISREPRESENTED, OR WE HAVE GROUNDS TO SUSPECT THAT SUCH INFORMATION IS INACCURATE, NOT CURRENT, OR INCOMPLETE, LOWBEE TECHNOLOGIES LIMITED RESERVES THE RIGHT AT ALL TIMES, TO SUSPEND OR TERMINATE THE SERVICE.

2.2. Eligibility

2.2.1To be eligible to register for and use our services, you must:

• Be at least (18) years or are of legal age;
• Canada resident, physically located in Canada
• Intend to use the Lowbee Technologies Limited platform for your own use and not on behalf of, or as agent to, any other person or entity
• Not a person listed on any sanctions list in Canada, OFAC, HMT, EU and any police databases.
• Not a Politically Exposed Person as defined in Canada anti-money laundering/anti-terrorist-financing legislation
• Meet Lowbee Technologies Limited’s anti-money laundering standard.

IT IS YOUR RESPONSILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR LOWBEE TECHNOLOGIES LIMITED ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.

3. Liabilities

Declaimer of warranties

3.1 Lowbee Technologies Limited services is provided on an “as is” and “as available” basis. Except as warranted in this Terms of Use, we expressly disclaim all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy & completeness, and any warranties relating to non-infringement in the service. We shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc. in this website or any part thereof. Also, we shall not incur any liability direct or indirect, to you or any third party, because of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.

3.2. Indemnification

You will defend, indemnify and hold harmless Lowbee Technologies Limited, its parents, affiliates, licensors, suppliers, Issuer, contractors and their respective shareholders, directors and officers, assigns, and successors-in-interest from any and all liabilities, damages caused by any virus, personal injury, loss of profits, data or other intangible, any damages arising from interruption, suspension or termination of Service, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent, causes of action and costs arising out of or resulting from:

• your failure to comply with this agreement;
• your use of the services, or any part of them;
• your alleged or actual negligent or wilful acts or omissions, or those of your agents or employees;
• any third party’s use of your Account or your Services.

In no event will our liability for any claim, whether in contract, tort, or any other theory of liability, exceed one CAD. You also agree that your sole remedy under this Terms of Use is cancellation of the service.

3.3. Reliance by Lowbee Technologies Limited

You represent and warrant that all information that you enter regarding the payments is true and complete. When processing a payment, Lowbee Technologies Limited may rely on the registration information and payment request information that you provide. You acknowledge that any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent account names and numbers, or misspellings, are your responsibility and that Lowbee Technologies Limited shall have no liability for executing a payment based upon the inaccurate or incomplete information you provided.

3.4. Cancellation and Refund Policy

Cancellation of Instruction

Once we have received your instruction to transfer funds, it cannot be cancelled. However, if you request us to do so, we may, at our sole discretion, attempt to reverse the instruction.

Reversal of Funds

In some cases, an irreversible request for funds may have already been initiated to the payee through a service provider. In such instances, we cannot guarantee the success of the reversal.

Refund

If we successfully reverse the instruction or if a transaction fails, is reversed, or is returned, the original amount and currency paid to Lowbee Technologies Limited, minus any applicable fees (such as banking charges), will be refunded to your Lowbee Technologies Limited account. Refunds can take up to 7 business days to be processed which can be prolonged depending on individual banks processing times, which are beyond our control

4. Rewards

4.14.1. Lowbee Technologies Limited may offer you the opportunity to earn rewards for activities such as referring other people to Lowbee Technologies Limited Platform. Lowbee Technologies Limited reserves the right at any time to modify, suspend or cancel the rewards.

4.2 Good Faith

4. Rewards

4.1We introduce programs such as these in good faith and expect the same good faith in return. Please note that we may withhold awards where we believe customers are acting in bad faith or otherwise acting contrary to the intent of this program. To be clear, commercializing, advertising, publishing, mass distributing, selling or paying for use of referral links is not appropriate, and we will not honour such links. We cannot cover every nefarious scenario, nor will we attempt to, but we do promise to be fair and reasonable.

4. Your suggestion

If you suggest a feature or change to Lowbee Technologies Limited Platform, or if you submit to us any marketing material (a "Suggestion") then you agree that we may make use of the Suggestion and disclaim any intellectual property rights, including any moral rights, to any resulting intellectual property.

6. Privacy

Lowbee Technologies Limited is committed to the privacy of customers but as a regulated business we may be required to share your personal information with FINTRAC and other regulatory agencies or law enforcement. We may also disclose your personal information to credit bureaus, anti-money laundering service providers, or other identity verification partners as part of opening your account or for periodic checks to ensure that we have accurate information about you. We may also disclose your personal information to financial institutions or other financial intermediaries. Our commitment to privacy is further explained in the Lowbee Technologies Limited Privacy Policy which forms part of this agreement.

7. Termination and Enforcement

7.1.7.1. Either party may terminate this agreement for any reason or for no reason without notice and without further liability.

7.2. Enforcement Action

We may take any action we consider appropriate to enforce the agreement, including employing any third-party agent to collect any amount owing, taking steps to enforce its rights against your assets, such as attaching any amount owing to those assets, and commencing legal proceedings.

8. Forum and Governing Law

This agreement will be governed by and construed in accordance with the laws of the Province of Alberta, and the parties submit to the jurisdiction of the Courts and Tribunals of Alberta, Canada.

9. Entire Agreement

9.1. This is the entire agreement between Lowbee Technologies Limited and you. This agreement supersedes any other understandings or contracts, and you represent that in entering into this agreement you have not relied on any representations made by Lowbee Technologies Limited.

Context

10.1For Questions, notices, and requests for further information, reach us at:

Email: info@Lowbeetechnologies.com.

Whatsapp Chat: +1(403)-560-1854

Socials: LowbeeTech