PBCash User Agreement

This User Agreement ("Agreement") is a contract between you and Payabillity Inc./PBCash ("Company") and applies to your use of Company's services, Including PBCash™ and Payabillity Inc.® Mobile sites (the "Services"). By saving a payment method (e.g., credit card, debit card, etc.) to Payabillity Inc./PBCash or by using Payabillity Inc. Web App (whether through the Payabillity Inc. or PBCash.com website or on another device), you agree that you have read, agree with and accept all of the terms and conditions in this Agreement (other than any Service-Specific terms that apply to a Service that you do not use) as well as our Privacy Policy ("Privacy Policy") which is available at https://pbcash.com/privacy.aspx and is Incorporated in this Agreement by this reference.

A. Eligibility

You must be a resident of Canada and of approved age to use the Services. You must use the Services in Canada and, with respect to Payabillity Inc./PBCash, use the Service only with credit, debit or prepaid cards issued by Canadian financial institutions or via cash and bank transfers within amounts and use that follows the provincial and federal rules, guidelines, and laws.

B. Third Party Agreements

You acknowledge and agree that this Agreement is between you and Company, not with any third party (Including, but not limited to, Apple®, Google®, any mobile carrier, or device manufaturer, or any internet service provider), and that Company is solely responsible for the Services. Your use of the Services may be subject to separate agreements you may enter into with both: (a) your mobile device operating system provider (e.g., Apple, Google or Microsoft®), your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service carrier (e.g., Rogers® or Bell®), and other parties involved in providing your mobile device service. (b) and/or your web browser (e.g., FireFox, Chrome, Safari), your device operating system provider (e.g., Apple, Google, or Microsoft), your internet service provider (e.g., Rogers® or Bell®) and other parties involved in providing your device service. Third party operating system providers such as Apple, Google, and Microsoft, your phone or other mobile device manufacturer, your wireless carrier or other network provider, any other product or service provider related to your mobile device service are collectively referred to as "Covered Third Parties." You agree to comply with all applicable third party terms of agreement when using the Services. Company is not a party to those agreements and has no responsibility for the products and services provided by third parties. Please note that Payabillity Inc./PBCash has opened its application programming interface ("API"), so you may be subject to agreements with third parties when using a service that was not created by Payabillity Inc./PBCash. Payabillity Inc./PBCash has no liability or responsibility for your use of these third party services.

C. Service-specific terms

The following terms are "Service-Specific Terms," in that they apply solely to one of the two Services covered by this Agreement: the Payabillity Inc. App, and Payabillity Inc./PBCash.

D. Web Application

Payabillity, Inc. ("Payabillity") knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. To make this privacy policy easy to find, we make it available from home page of our website at https://pbcash.com/privacy.aspx (the "website") and through our mobile applications. You may also email us with any privacy-related questions you have.

Have a prepaid card?

You can link your eligible prepaid card with PBCash to manage your balance and account. Don't have a card? You can order an eligible prepaid card by calling us at (800) 433 8259