Terms and Conditions

E-DEBIT MONEY SERVICES ("SERVICES") ARE PROVIDED BY E-DEBIT MONEY INC. ("E-DEBIT MONEY") WHICH ARE SUBJECT TO THESE TERMS AND CONDITIONS AND APPLICABLE CANADIAN LAW. Service availability depends on certain transaction conditions including the Service selected (including the special terms applicable to each Service, as set forth below), amount sent, site availability, regulatory issues, identification requirements and location hours (collectively, "Restrictions"). The designated E-Debit Money recipient ("Recipient") may generally receive funds sent by an E-Debit Money sender ("Sender") at Designated Site locations within Canada. The Recipient upon purchase of an E-Debit Money prepaid card will normally receive funds sent by Sender dispensed in cash from a Designated Site Location on-site Automated Teller Machine ("ATM") or in Cash from a Designated Site Location on-site Point of Sale Terminal ("POS") or a combination thereof; with some Services, funds may be credited to a Canadian designated bank account, E-Debit Money prepaid card Account/Wallet, or similar account.

Under some circumstances, the Recipient may elect a payment method that differs from the payment method the Sender specifies. In such cases the Recipient authorizes E-Debit Money to honor the Recipient's election of payment method. Recipients who receive funds through a payment method other than as outlined above may incur additional fees to access funds. Certain Canadian Provinces and/or jurisdictions may impose a tax, fee and/or tariff on the Recipient's receipt of, or access to, transferred funds.

Transactions: (a) to certain Provinces or jurisdictions; (b) that implicate certain regulatory issues; or (c) sent through delayed options may take longer, and/or be subject to additional Restrictions. E-Debit Money complies with all Canadian Fintrac regulatory requirements and any transaction regardless of amount involved may be reported to applicable authorities. In some circumstances both the Sender and the Recipient may be required to provide identification, a test question answer or both to send or receive funds. With qualifying Services, Telephone Notification, Messenger Delivery and Supplemental Messages may be included for an additional fee, plus a 5% GST, 7.5% QST or 13% HST.

REFUND CHARGES: Transaction Cancellation: Prior to payment to the Recipient, E-Debit Money transactions not picked may be canceled by the Sender by sending notification of cancellation to info@e-debitmoney.ca. Sender's Notification of Transaction Cancellation will be normally acknowledged by E-Debit Money during regular working office hours 9:00 am to 5:00 pm Mountain Standard Time or at such other time at the sole discretion of E-Debit Money. The Sender acknowledges, understands and agrees timing of the E-Debit Money acknowledgement will be will at the sole determination of E-Debit Money. E-Debit money will charge the Sender a fee to refund the principal amount back to Sender.

ADMINISTRATION CHARGES: Transactions not picked up by the Recipient or canceled by the Sender within one year of the send date will be assessed a non-refundable administration charge of twenty-five cents ($0.25) (CAD) per month from the send date, which will be deducted from the amount sent. All administration charges 5% GST, 7.5% QST or 13% HST as applicable to all administration charges, depending on the province from where the money transfer originated

RESOLUTION OF DISPUTES: UPON UTILIZING THE SERVICES OF E-DEBIT MONEY, THE E-DEBIT MONEY SENDER AND RECIPIENT UNDERSTAND, ACKNOWLEDGE AND AGREE THAT: All E-Debit Money transactions are products and services originating and supplied by E-Debit Money in the Province of Alberta and any dispute arising from or relating to an E-Debit Money Services transaction shall be resolved by final and binding arbitration as set out by the Courts of the Province of Alberta. The Courts of Alberta shall decide what is subject to arbitration. The arbitration will be administered through the Courts of the Province of Alberta as legislated under Revised Statues of Alberta 2000 Chapter A-43 the ARBITRATION ACT (see http://www.qp.alberta.ca/documents/Acts/A43.pdf ). The Sender will be responsible for Court costs associated to arbitration. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. A Sender and/or Recipient may opt out of arbitration within 30 days after initiating a transaction by giving written notice and delivered to info@e-debitmoney.ca. IF SENDER DOES NOT OPT OUT, SENDER WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

LIMITATIONS OF LIABILITY: UPON UTILIZING THE SERVICES OF E-DEBIT MONEY, THE E-DEBIT MONEY SENDER AND RECIPIENT UNDERSTAND, ACKNOWLEDGE AND AGREE THAT: IN NO EVENT SHALL E-DEBIT MONEY BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR DESIGNATED SITES OR OTHERWISE, BEYOND THE SUM OF ONE HUNDRED ($100.00) DOLLARS (CAD) (in addition to refunding the transaction amount and the transfer fees). ADDITIONALLY UPON UTILIZING THE SERVICES OF E-DEBIT MONEY, THE E-DEBIT MONEY SENDER AND RECIPIENT UNDERSTAND, ACKNOWLEDGE AND AGREE THAT IN NO EVENT SHALL E-DEBIT MONEY OR ITS DESIGNATED SITES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.

GENERAL: LEGAL - UPON UTILIZING THE SERVICES OF E-DEBIT MONEY, THE E-DEBIT MONEY SENDER AND RECIPIENT UNDERSTAND, ACKNOWLEDGE AND AGREES THAT: these Terms and Conditions shall, in all respects, be subject to, interpreted, construed and enforced in accordance with and under the laws of the Province of Alberta and the laws of Canada applicable therein and shall be treated as a contract made in the Province of Alberta. The E-Debit Money Sender and Recipient irrevocably attorn and submit to the jurisdiction of the courts of the Province of Alberta and courts of appeal therefrom in respect of all matters arising out of this Terms and Conditions.

The E-Debit Money Sender and Recipient represent that Sender and Recipient use of Services does not violate: (a) any law, including, without limitation, laws relating to money laundering, illegal gambling activities, support for terrorist activities, illegal drug use or fraud; and/or (b) this Terms and Conditions and all Information provided to E-Debit Money will be truthful and complete.

GENERAL: LANGUAGE - The English language version controls if there is any inconsistency between English and non-English Terms and Conditions versions. Sender and Recipient represent that Sender and Recipient use of Services does not violate: (a) any law, including, without limit, laws relating to money laundering, illegal gambling activities, support for terrorist activities or fraud; and/or (b) this Terms and Conditions. Information provided to E-Debit Money shall be truthful and complete. Sender and Recipient shall indemnify E-Debit Money and its Designated and/or Associated Sites for all losses of any kind (including lawyers' fees on a solicitor and client basis) arising out of any Terms and Conditions breach by Sender or Recipient. E-Debit Money reserves the right to change Services without notice.

PRIVACY: E-Debit Money and our Designated Sites collect Personal Information about E-Debit Money Senders and the Recipients from E-Debit Money Service transactions and, where permitted or required by law, from other sources ("Personal Information"), as explained in the E-Debit Money Financial Services (Canada), Inc. Privacy Statement ("Statement"). TO OBTAIN A COPY OF THE STATEMENT, CLICK ON THE POLICY BUTTON OF THE E-DEBIT MONEY WEB SITE OR SEND AN EMAIL REQUEST AT INFO@E-DEBITMONEY.CA .

E-Debit Money and our Designated and or affiliate Sites collect and use Personal Information to: (i) authorize and process Service transactions, (ii) to manage our business, including the detection and prevention of fraud and other illegal activity, (iii) provide customer service and (iv) for other purposes set forth in these E-Debit Money Terms and Conditions.

E-Debit Money may disclose the Information to: (i) the Sender and/or Recipient, (ii) our Designated Sites, (iii) if applicable, any Sender and/or Recipient bank and any intermediate banks or other financial institutions, as may be necessary to process and complete E-Debit Money Sender and/or Recipient Service transaction, (iv) law enforcement and other governmental authorities to prevent, detect and investigate fraud or other illegal activity, as permitted or required by law, and (v) as otherwise described in the Statement.

UPON UTILIZING THE SERVICES OF E-DEBIT MONEY, THE SENDER AND RECIPIENT UNDERSTAND, ACKNOWLEDGE AND AGREE THAT E-Debit Money Inc. may use and disclose SENDER AND RECIPIENT contact information to our affiliates and third parties to allow us, and them, to send Sender and/or Recipient offers, promotions or information about additional products and services which may be of interest to the E-Debit Money Sender and Recipient (for example, special offers or services from E-Debit Money Canada, financial institutions and service companies, such as banks, credit card companies, insurance companies and brokerage houses; retailers, such as home furnishers, clothing stores and florists; catalogue companies; direct marketers; affiliated companies that offer financial services; and other non-affiliated companies with which E-Debit Money has joint marketing Agreements) (collectively, "Marketing Purposes". The Sender and Recipient MAY WITHDRAW SENDER CONSENT (OPT OUT FROM) THE USE AND DISCLOSURE OF PERSONAL INFORMATION FOR MARKETING PURPOSES BY FORWARDING IN WRITING THEIR WITHDRAWAL TO WWW.E-DEBITMONEY.CA