IMPORTANT NOTICE
Please read these disclaimers carefully before using M-Pay's services. By using our services, you acknowledge and accept all risks, limitations, and disclaimers outlined in this document.
1. General Disclaimer
M-Pay (Media Pay, MSB Registration: C100000603) provides fiat-to-cryptocurrency conversion services as an intermediary platform. We are not a financial institution, investment advisor, broker-dealer, or custodian.
The information provided on our website and platform is for general informational purposes only and should not be construed as professional advice of any kind. You should consult with appropriate professionals before making any financial, legal, or business decisions.
2. Not Investment, Financial, or Tax Advice
M-Pay does not provide investment, financial, trading, or tax advice. Nothing on our website, platform, communications, or marketing materials should be construed as:
- Investment advice or recommendations
- An offer to buy or sell securities or financial instruments
- Tax advice or guidance
- Legal advice
- An endorsement of any particular cryptocurrency or digital asset
- A recommendation regarding the suitability of any transaction for your specific circumstances
You are solely responsible for: Determining whether any transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. We strongly recommend consulting with qualified financial, legal, and tax advisors before engaging in cryptocurrency transactions.
3. Cryptocurrency Risk Warnings
3.1 General Cryptocurrency Risks
Cryptocurrency transactions involve substantial risk. Before using our services, you should understand and accept the following risks:
- Volatility: Cryptocurrency prices are highly volatile and can fluctuate significantly within short time periods, even though we primarily deal in stablecoins
- Loss of Funds: Cryptocurrency transactions are irreversible. If you send funds to the wrong address or wrong network, recovery may be impossible
- Regulatory Risk: Cryptocurrency regulations are evolving and vary by jurisdiction. Future regulatory changes may affect your ability to use our services
- Technology Risk: Blockchain networks, smart contracts, and cryptocurrency protocols may contain bugs, vulnerabilities, or design flaws
- Market Risk: Cryptocurrency markets may experience low liquidity, market manipulation, or sudden crashes
- Operational Risk: Exchanges, wallet providers, and other service providers may fail, be hacked, or cease operations
3.2 Stablecoin-Specific Risks
While we primarily facilitate conversions involving stablecoins (USDT, USDC) which are designed to maintain a stable value, they are not risk-free:
- Depegging Risk: Stablecoins may lose their peg to the underlying fiat currency
- Issuer Risk: Stablecoin issuers may fail, become insolvent, or be unable to honor redemptions
- Collateral Risk: The assets backing stablecoins may be insufficient, illiquid, or mismanaged
- Regulatory Risk: Stablecoin issuers may face regulatory action that affects the value or usability of their tokens
M-Pay does not guarantee the value, stability, or redeemability of any cryptocurrency, including stablecoins.
3.3 Blockchain Network Risks
- Network Congestion: Blockchain networks may experience congestion, leading to delayed transactions or high fees
- Hard Forks: Blockchain networks may undergo hard forks, creating uncertainty about which chain to support
- 51% Attacks: Blockchain networks may be vulnerable to attacks that could reverse or double-spend transactions
- Protocol Changes: Changes to blockchain protocols may affect transaction processing or compatibility
4. Service Availability and Performance
4.1 No Guarantee of Availability
We do not guarantee that our services will be:
- Available at all times or without interruption
- Error-free, secure, or free from viruses or malware
- Accurate, complete, or up-to-date
- Compatible with all devices, browsers, or operating systems
4.2 Maintenance and Downtime
Our services may be temporarily unavailable due to:
- Scheduled maintenance
- Emergency repairs or security updates
- Technical issues beyond our control
- Force majeure events
5. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- M-PAY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
- THIS INCLUDES BUT IS NOT LIMITED TO: LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES
- OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES YOU PAID TO M-PAY IN THE 12 MONTHS PRECEDING THE CLAIM
6. Professional Advice Recommendation
Before using our services or engaging in cryptocurrency transactions, we strongly recommend that you seek professional advice from:
- Financial Advisors: Regarding the suitability of cryptocurrency investments for your circumstances
- Tax Professionals: Regarding the tax implications of cryptocurrency transactions in your jurisdiction
- Legal Counsel: Regarding regulatory compliance and legal risks
- Accountants: Regarding proper record-keeping and reporting requirements
7. Contact Information
If you have questions about these disclaimers, please contact us:
M-Pay (Media Pay)
Email: legal@m-pay.io
Support: support@m-pay.io
Address: 5240 – 1A Street SE, Unit 201, Calgary, AB, T2H 1J1, Canada
MSB Registration: C100000603
8. Acknowledgment and Acceptance
BY USING M-PAY'S SERVICES, YOU ACKNOWLEDGE THAT:
- You have read and understood all disclaimers set forth in this document
- You understand and accept all risks associated with cryptocurrency transactions
- You agree that M-Pay is not liable for any losses or damages you may incur
- You have sought professional advice where appropriate
- You are using our services at your own risk