These Terms of Service (the "Terms") are a legal agreement between you ("User", "you", "your") and Norenor Technologies Inc., located at 1135 Stellar Drive, 2nd floor Newmarket ON, L3Y 7B8, Canada ("Company", "we", "our", "us"). By creating an account, accessing, or using the application, website, or any services offered by the Company (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by and comply with these Terms, together with our Privacy Policy and any other legal notices or policies referenced herein. If you do not agree to these Terms, you may not access or use the Service. Definitions In these Terms, the following capitalized words have the meanings set out below: "Service" means the Company's mobile application, website, and all related tools, features, and content provided thereon. "User" means any individual or legal entity that accesses or uses the Service, whether registered or not. "Account" means the unique registration profile created by a User to access the Service. "Payment Provider" means any financial institution, payment processor, or third-party service integrated with the Service to process transactions. "Content" means all information, text, graphics, logos, trademarks, data, software, and other materials made available through the Service. "Applicable Law" means all statutes, regulations, directives, and rules, whether federal, provincial, or municipal, that govern or otherwise apply to the provision or use of the Service in Canada.

The Service is available only to individuals who are at least eighteen (18) years old or the legal age of majority in their jurisdiction, possess the legal capacity to enter into binding agreements, and are not otherwise prohibited or restricted from using the Service under Applicable Law. By accessing or using the Service, you represent and warrant that you satisfy these eligibility requirements. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Ontario, Canada.

To use the Service, you must first create an Account by providing accurate, current, and complete information as requested during the registration process. You agree to maintain and promptly update such information to keep it accurate, current, and complete at all times. The Company reserves the right to suspend or restrict your Account if any information provided is inaccurate, incomplete, or misleading. You are solely responsible for maintaining the confidentiality of your login credentials, including your username, password, and any authentication codes, and for all activities that occur under your Account. You agree to notify the Company immediately of any unauthorized use of your Account or any other breach of security. You acknowledge and agree that you shall be held liable for any losses or damages incurred by the Company or any third party resulting from your failure to maintain the confidentiality of your Account credentials. The Company shall not be liable for any loss or damage arising from unauthorized use of your Account unless such unauthorized access is directly attributable to the Company’s gross negligence or willful misconduct.

You agree to use the Service solely for lawful purposes and in compliance with these Terms and all Applicable Laws. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You are responsible for keeping your personal and payment information accurate and up to date, and for cooperating with the Company if additional verification or documentation is required. You shall not, whether directly or indirectly: 1. Use the Service for any unlawful or fraudulent purpose, including but not limited to money laundering and terrorist financing; 2. Circumvent, disable, or otherwise interfere with the security or functionality of the Service; 3. Attempt to gain unauthorized access to the Service, related systems, or data; 4. Misrepresent your identity or provide false, misleading, or incomplete information; 5. Use the Service on behalf of another person or entity without proper authorization; The Company reserves the right to investigate, suspend, or restrict your Account if you engage in any prohibited conduct.

The Company complies with all applicable anti-money laundering ("AML") and counterterrorist financing ("CTF") laws and regulations in Canada, including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and related regulatory requirements administered by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). As a condition of accessing or using the Service, you agree to provide accurate, current, and complete information and documentation as requested by the Company for the purposes of identity verification, risk assessment, and ongoing compliance with Applicable Law. Such documentation may include, without limitation, government-issued identification, proof of address, and financial information. You acknowledge and agree that the Company may, in its sole discretion, suspend or restrict your Account, or delay, block, or refuse any transaction, if you fail to provide requested information, the information cannot be verified, or the Company suspects that your Account is being used in connection with unlawful activity. The Company reserves the right to report any suspicious activity or transactions to FINTRAC or other competent regulatory or law enforcement authorities as required by Applicable Law.

Our Service is a technological platform that unifies digital payments and services, including but not limited to bill payments, fines, subscriptions, account top-ups, and other authorized transactions. The Service may also allow integrations with third-party systems, including but not limited to utilities, transit cards, and other payment and service providers. You acknowledge and agree that the Company is not a bank, credit union, or other financial institution, and does not provide deposit-taking, lending, or investment services. All payment processing is facilitated through third-party financial institutions or payment processors, and the Company does not guarantee the availability or performance of such third-party services. The Company reserves the right, at any time and without notice, to modify, suspend, or discontinue any part of the Service. The Company shall not be liable for any interruption, modification, or discontinuation of the Service or any part thereof.

The Service operates on a pay-per-bill model (currently $2 per bill) and a monthly subscription plan (currently $15 per month for unlimited payments). By using our paid services, you agree to the applicable fees and payment terms presented at the time of the transaction or subscription. All fees are charged in Canadian dollars (CAD) unless otherwise specified. Applicable taxes may be added to your payment based on your location and Applicable Law. You acknowledge and agree that: 1. The Company may modify its fees or introduce new pricing models at any time. Any changes will take effect once posted in the Service or on the Company’s website. 2. Fees charged by the Company are non-refundable, except as required by Applicable Law. 3. Third-party financial institutions, payment processors, or network providers (including banks, card issuers, and mobile operators) may impose additional fees, charges, or exchange rates, for which you are solely responsible.

You may cancel your monthly subscription plan at any time through the Service or your account settings. Cancellations take effect at the end of the then-current billing cycle. Subscription fees already paid are non-refundable, except as may be required by Applicable Law. Transactions processed under the pay-per-bill model are final once authorized and submitted. No refunds will be issued for completed bill payments, fines, subscriptions, account top-ups, or other authorized transactions, unless the failure to process a transaction is directly attributable to the Company’s error. All service fees charged by the Company are non-refundable, except where otherwise required by Applicable Law. The Company is not responsible for any fees, charges, or penalties imposed by third-party financial institutions, payment processors, or service providers in connection with cancelled or refunded transactions.

The Service may integrate with or rely on third-party services, platforms, or systems, including but not limited to financial institutions, payment processors, transit card providers, utility companies, authentication and identity verification providers, and merchants (collectively, "Third-Party Services"). Your use of Third-Party Services may be subject to additional terms, conditions, and policies imposed by the applicable third party, and you agree to comply with all such requirements. You acknowledge and agree that the Company does not control, endorse, or assume any responsibility or liability for Third-Party Services, including their availability, accuracy, security, or performance. This includes, without limitation, third-party providers used for authentication, verification, messaging, or communication features within the Service. Any disputes, errors, or issues arising from your use of a Third-Party Service shall be resolved directly between you and the applicable third party. The Service may also contain links to external websites, applications, or content provided by third parties. The Company is not responsible for the content, products, or services made available through such external sites or resources.

The Company collects, uses, and discloses personal information in accordance with its Privacy Policy, which forms an integral part of these Terms. By accessing or using the Service, you acknowledge that you have read, understood, and consent to the collection, use, and disclosure of your personal information as described in the Privacy Policy. The Company complies with all applicable privacy and data protection laws in Canada, including the Personal Information Protection and Electronic Documents Act (PIPEDA). You expressly consent to the Company collecting, processing, storing, and disclosing your personal information, including to third-party service providers, payment processors, financial institutions, and identity verification providers, for the purposes of: providing the Service; complying with applicable KYC/AML obligations; preventing fraud; and meeting other legal and regulatory requirements. The Company implements appropriate technical and organizational safeguards designed to protect your personal information against unauthorized access, disclosure, or misuse. However, you acknowledge and agree that no method of electronic transmission or storage is completely secure.

The Service may use cookies, software development kits (SDKs), and other tracking technologies to enable functionality, enhance security, improve performance, and analyze usage. By using the Service, you consent to the use of such technologies as described in the Company’s Privacy Policy. You may disable cookies in your browser settings; however, doing so may affect the functionality of the Service. By creating an Account or using the Service, you agree to receive electronic communications from the Company, including but not limited to transaction confirmations, account notifications, legal notices, and updates regarding the Service. You further agree that such electronic communications satisfy any legal requirement that such communications be in writing. If you have provided consent, the Company may also send you promotional or marketing communications, which you may opt out of at any time by following the unsubscribe instructions included in such communications.

All content, materials, features, and functionality available through the Service, including but not limited to software, source code, databases, designs, text, graphics, logos, trademarks, trade names, and other intellectual property (collectively, the "Company Materials"), are the exclusive property of the Company and are protected by copyright, trademark, patent, and other intellectual property laws. Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service solely for your personal, lawful, and non-commercial purposes. No other rights, titles, or interests in or to the Service or the Company Materials are transferred to you. You shall not, without the Company’s prior written consent: copy, modify, reproduce, distribute, or create derivative works of the Service or the Company Materials; use any Company trademark, logo, or branding for any purpose; or reverse engineer, decompile, or otherwise attempt to extract the source code of the Service.

We reserve the right to suspend or restrict your Account, with or without notice, if: 1. You violate these Terms or engage in fraudulent, unlawful, or abusive activities; 2. We detect suspicious activity that may pose a security or fraud risk; 3. We receive a legal or regulatory request requiring suspension; 4. You fail to comply with applicable identity verification, KYC/AML, or security requirements. You may close your Account at any time through the Service or by contacting our support team. Upon restriction (by you or by the Company), you remain responsible for any fees, charges, or obligations incurred before termination. Certain provisions of these Terms, including but not limited to disclaimers, limitation of liability, indemnification, and governing law, will survive termination. The Company may retain information related to your Account as required by Applicable Law, including record-keeping obligations under KYC/AML regulations.

The Service is provided on an "as is" and "as available" basis, without warranties, representations, or conditions of any kind, express or implied. The Company makes no warranties that the Service will be error-free, uninterrupted, secure, or free of viruses or other harmful components, or that any defects will be corrected. To the maximum extent permitted by Applicable Law, all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, or non-infringement, are disclaimed. You acknowledge and agree that: 1. The use of the Service is at your sole risk, and you assume all responsibility for any costs, charges, or damages arising from such use. 2. The Company shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, loss of data, business interruption, or penalties imposed by a third party, even if the Company has been advised of the possibility of such damages. 3. In jurisdictions that do not allow limitation of liability, the Company's liability shall be limited to the maximum extent permitted by Applicable Law. The Company shall not be responsible or liable for any failure, error, delay, or penalty related to the use of the Service, in circumstances including but not limited to: 1. Incomplete, inaccurate, or incorrect payment instructions; 2. Insufficient funds or credit in the payment account; 3. Incorrect payment method details (e.g., invalid card/account numbers); 4. Rejection, delay, or error caused by the Biller or payment processor; 5. Biller mishandling or delays in applying payments; 6. Errors, bugs, or vulnerabilities in third-party services integrated with the Service; 7. Unauthorized access to your Account due to your failure to maintain account security; 8. Any Force Majeure event. Under no circumstances will the Company be responsible for any late payment penalties, fees, or interest charges imposed by your Biller.

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, and contractors from and against any and all claims, damages, liabilities, losses, costs, or expenses (including reasonable legal fees) arising out of or related to: your violation of these Terms or any Applicable Law; your misuse of the Service; any content or information you provide through the Service; or your violation of the rights of any third party.

In the event of a dispute, you must first contact our support team at info@allsettled.com to attempt to resolve the issue. If the dispute cannot be resolved informally, it will be submitted to binding arbitration in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. These Terms, the Privacy Policy, and any disputes arising out of or relating to the Service will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law rules. Any disputes, actions or proceedings relating to these Terms or your access to or use of the Service must be brought before the courts of the Province of Ontario in the City of Toronto. You irrevocably consent to the exclusive jurisdiction and venue of such courts.

The Company will not be liable for any failure or delay in performing its obligations due to events beyond its reasonable control, including but not limited to natural disasters, government actions, war, terrorism, labor disputes, internet or power outages, or failures of third-party systems.

If any of the provisions of these Terms are determined by any competent authority to be invalid, unlawful, or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.

These Terms, together with our Privacy Policy and any other documents expressly referenced herein, constitute the entire agreement between you and the Company with respect to the Service and supersede all prior or contemporaneous agreements, understandings, or arrangements, whether written or oral. By entering into these Terms, you acknowledge that neither you nor the Company has relied on any representation, undertaking, or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.

The Company's failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any breach or default shall not constitute a waiver of any subsequent breach or default. Any waiver by the Company shall be valid only if provided in writing and signed by an authorized representative.

The Company may modify these Terms or the Service, including features and applicable fees, at any time at its sole discretion. Updates may be communicated by electronic means, such as email, in-app notifications, or posting on the Company's website, and will indicate the date of the last revision. Any changes take effect upon posting unless otherwise specified. Your continued use of the Service after such posting constitutes acceptance of the revised Terms. If you do not agree, you must discontinue use of the Service.

You agree that the Company may provide notices, disclosures, and other communications regarding the Service electronically, including by email, in-app notifications, or by posting within the Service or on the Company's website. Such communications are deemed to satisfy any legal requirement that such communications be in writing. It is your responsibility to maintain accurate contact information associated with your Account and to regularly check for communications from the Company.

We are committed to making our website, mobile application, and related services accessible and usable for everyone, in accordance with applicable accessibility laws and standards. If you experience any difficulty accessing or using any part of the Service, please contact us at info@allsettled.com, and we will make reasonable efforts to assist you or provide an alternative way to access the requested information or functionality.

You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of the Company. The Company may assign or transfer its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

We take ownership of our actions and are committed to acting responsibly and transparently. We strive to provide the highest level of service to our users and consistently improve our platform. Our mission is to make digital services, bill management, and payments simple, secure, and easy to use. If you encounter any issue or have suggestions on how we can improve, please do not hesitate to contact us — we are here to help and continuously enhance your experience.

If you have any questions or concerns about this Privacy Policy or practices, please contact us at: Norenor Technologies Inc. 1135 Stellar Drive, 2nd floor, Newmarket ON, L3Y 7B8, Canada Email: info@allsettled.com