📄 Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you", "client", or "user") and Payback Now Canada ("Company", "we", "us", or "our"), governing your access to and use of the website located at paybacknow.ca and any related services, forms, assessments, consultations, or communications (collectively, the "Services").

By accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use our Services.

You must be at least 18 years of age and possess the legal capacity to enter into binding agreements in your jurisdiction. By using our site or services, you represent that you meet these eligibility requirements.

Payback Now Canada is a fund recovery and consultation platform, providing assessment and advisory services to individuals and entities seeking to recover lost or defrauded funds. Our website operates as a lead-generation and client intake portal for our in-house team and external recovery specialists.

Disclaimer: We do not guarantee the recovery of any funds and do not offer legal, investment, or financial advice unless explicitly stated by a licensed professional in the appropriate context.

Use of our Services, including submitting forms, uploading documents, or booking consultations, does not constitute a legal relationship or attorney-client relationship unless otherwise agreed upon in writing through a formal engagement process.

You agree to:

• Provide accurate, current, and complete information
• Use the Services in good faith and in compliance with applicable laws
• Not submit fraudulent claims or falsified documents
• Refrain from abusing, hacking, or interfering with the platform's integrity
• Accept responsibility for your actions taken through the platform

Your use of the Services is subject to our Privacy Policy, which outlines how we collect, use, and protect your data. By using the Services, you consent to the practices described therein.

We treat your submitted information with strict confidentiality and security. However, we are not liable for any breach arising from factors beyond our control, such as third-party system vulnerabilities or force majeure incidents.

In some cases, we may refer you to, or collaborate with, third-party service providers (e.g., legal firms, forensic experts, payment recovery processors). You acknowledge and agree that:

• We are not responsible for their actions or services
• Any engagement with them will be governed by their terms
• You assume all risks associated with third-party interactions

All content on paybacknow.ca, including but not limited to text, design, graphics, logos, videos, and software, is the intellectual property of Payback Now Canada or its licensors and is protected under Canadian and international copyright laws.

You may not copy, distribute, modify, or create derivative works without explicit written permission.

We do not guarantee that the Services will always be available or uninterrupted. We reserve the right to:

• Suspend or terminate the platform for maintenance or upgrades
• Modify or discontinue any part of the Services without notice

To the maximum extent permitted by law:

• Payback Now Canada shall not be liable for any indirect, incidental, consequential, or punitive damages, including loss of data, profits, or business, resulting from your use of or inability to use the Services.
• Our liability in any case shall be limited to the amount you have paid us, if any, for services rendered in the past 6 months.

You agree to indemnify, defend, and hold harmless Payback Now Canada and its affiliates, employees, contractors, and partners from any claim, liability, damages, costs, or expenses (including legal fees) arising from your use of the Services, your content submissions, or violation of these Terms.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts located in Toronto, Ontario, unless otherwise agreed in writing.

We may update or modify these Terms at any time, and the updated version will be posted on our website with a new "Last Updated" date. Your continued use of the Services constitutes acceptance of the revised Terms.

We reserve the right to terminate or restrict your access to our Services, with or without notice, for any violation of these Terms or if required to do so by law or regulatory authorities.

If you have any questions or concerns about these Terms, please contact us at: