TERMS & CONDITIONS

Effective Date: April 16, 2025

Last Updated: April 16, 2025

These Terms & Conditions (“Terms”) govern your access to and use of the website and services provided by Quaro Finance Ltd ("Quaro," "we," "us," or "our"). By using our website or engaging our services, you agree to be legally bound by these Terms.

  • 1. Scope of Services

    Quaro Finance Ltd is a Canada-based payment consultancy and aggregator that provides:

    • • Strategic advice on payment systems and market entry;
    • • Identification of suitable payment providers and partners;
    • • Optimization of payment conversion rates and client onboarding processes;
    • • Representation and mediation with financial institutions, PSPs, and other providers;
    • • Regulatory and compliance advisory within the payment infrastructure sector.

    All services are provided on a strictly non-fiduciary basis unless otherwise agreed in writing.

  • 2. Fees and Billing

    All services are rendered against agreed fees, which may include:

    • • Flat-rate consulting fees;
    • • Success-based commissions;
    • • Hourly fees or retainers.

    The applicable terms are outlined in separate commercial agreements between the client and Quaro. Unless otherwise agreed, all invoices are due within fifteen (15) days of issuance. Late payments may be subject to interest at the maximum rate permitted by law.

  • 3. No Warranties or Guarantees

    While we act diligently and in good faith, Quaro does not guarantee:

    • • That any particular provider will accept your business;
    • • That integration or onboarding will be successful;
    • • Any specific financial outcome or performance indicator.

    Use of our services is at your own risk. All advice is provided on an "as is" basis.

  • 4. Intellectual Property

    All content published on this website, including but not limited to text, graphics, logos, and service descriptions, is the intellectual property of Quaro Finance Ltd or its licensors. Unauthorized reproduction or redistribution is strictly prohibited.

  • 5. User Conduct

    You agree not to:

    • • Use the website or services for unlawful or fraudulent purposes;
    • • Interfere with the operation of the website or servers;
    • • Attempt to gain unauthorized access to our systems or data.

    Violation of these provisions may result in suspension or termination of access.

  • 6. Limitation of Liability

    To the fullest extent permitted by law, Quaro shall not be liable for:

    • • Indirect, incidental, or consequential damages;
    • • Loss of profits, data, or opportunities;
    • • Damages arising from reliance on advice, provider decisions, or third-party actions.

    Total liability, if any, shall be limited to the amount paid by the client for the specific service rendered.

  • 7. Governing Law and Jurisdiction

    These Terms are governed by the laws of the Province of British Columbia and the applicable laws of Canada. Any disputes shall be subject to the exclusive jurisdiction of the courts of Vancouver, British Columbia, unless otherwise agreed in a separate arbitration clause.