Terms & Conditions
Last Updated: October 13, 2025
These Terms and Conditions govern the relationship between Nordgate Financial Inc. (the “Service Provider”) and you (the “Customer”) regarding the use of payment processing, electronic money, and related financial services as defined below.
1. SERVICE PROVIDER DETAILS
Your Service Provider is:
Nordgate Financial Inc.
Company Number: 1001036413
Registered Office Address: 6d – 7398 Yonge St, PMB 889, Thornhill, Ontario, L4J 8J2, Canada
2. DEFINITIONS
“Agreement” – means the agreement between the Customer and the Service Provider consisting of these Terms & Conditions and the registration form completed by the Customer when creating an Account within the System.
“Account” – the Customer’s account opened with the Service Provider, used to hold and manage funds and transactions.
“Alternative Payment Method (APM)” – any payment method other than cards, including digital wallets, bank transfers, or mobile payments supported by the Service Provider.
“Business Day” – a day when the Service Provider provides its services, excluding Saturdays, Sundays, and public holidays in Canada.
“Card” – any payment card (Visa, Mastercard, etc.) used to make or receive transactions.
“Commission Fee” – fees charged by the Service Provider for processing payments or providing related services.
“Confidential Information” – information designated as confidential or reasonably understood to be confidential, including business, financial, and technical data.
“Customer” – a natural or legal person registered with the Service Provider and holding an active Account.
“Electronic Money” – monetary value stored electronically for executing payment transactions.
“Fees” – charges applied by the Service Provider for providing Services, as updated periodically.
“Payment Transaction” – an act of placing, transferring, or withdrawing funds initiated by the Customer or on their behalf.
“Personal Area” – the secure, user-specific section of the System accessible to the Customer.
“Services” – all financial and payment-related services provided by the Service Provider under this Agreement.
“System” – software and technology solutions developed or utilized by the Service Provider for providing Services.
“Website” – the official website of the Service Provider: www.nordgatefinance.com (or any successor domain).
3. ENTIRE AGREEMENT
These Terms and Conditions, together with the Customer registration form, constitute the entire legal agreement between the Customer and the Service Provider.
By registering, opening an Account, or using the Services, the Customer agrees to be bound by this Agreement.
The Services are provided “as is,” and the Service Provider makes no warranty beyond what is explicitly stated herein.
The Customer acknowledges that Nordgate Financial Inc. is not a bank or credit institution and that funds held in the Account do not accrue interest.
4. ACCOUNT REGISTRATION AND IDENTIFICATION
Only verified Customers may use the Services. The Customer must:
Be at least 18 years of age or of legal capacity in their jurisdiction;
Provide accurate and complete identification information;
Undergo verification (KYC) as required by anti-money laundering and compliance regulations.
Nordgate Financial Inc. reserves the right to request additional documents or information at any time and may suspend or terminate an Account for non-compliance.
5. SERVICES PROVIDED
The Services offered by Nordgate Financial Inc. include:
Card payment processing (Visa, Mastercard, etc.);
Alternative payment methods (digital wallets, mobile payments, bank transfers);
Currency exchange and settlement;
Mass payouts and business payment automation;
Payment gateway integration via API;
Other financial technology solutions as made available in the System.
All customer funds are safeguarded and held in segregated accounts separate from company operational funds.
6. TRANSACTIONS
Deposits
To deposit funds, the Customer must follow the steps provided in the Personal Area. The Service Provider reserves the right to request proof of the source of funds.
Withdrawals
Withdrawals can be made only to accounts owned by the Customer. The Service Provider may impose limits or additional requirements to comply with regulatory obligations.
Payments and Transfers
All payment orders must contain correct details. Once confirmed, transactions cannot be canceled. The Service Provider is not responsible for losses arising from incorrect information entered by the Customer.
7. FEES AND CHARGES
The Customer agrees to pay all applicable fees as stated in the Fees Schedule published on the Website or within the System.
If insufficient funds are available, Nordgate may suspend Services until all fees are paid.
Currency exchange rates and applicable fees are displayed transparently before each transaction.
8. SECURITY
The Customer must keep login credentials confidential and notify the Service Provider immediately in case of unauthorized access or suspicion of fraud.
Failure to report unauthorized access in a timely manner may result in the Customer being held liable for losses.
9. RESTRICTED ACTIVITIES
The following are strictly prohibited:
Illegal or fraudulent activities, money laundering, or terrorist financing;
Providing false or misleading information;
Use of the Services in connection with sanctioned countries or restricted industries;
Uploading or distributing malicious software or scripts.
Violations may result in immediate Account suspension or termination.
10. LIABILITY
Nordgate Financial Inc. is not liable for:
Delays, interruptions, or failures beyond its control (including network or banking system errors);
Losses arising from inaccurate payment details provided by the Customer;
Losses caused by malware or other harmful technology;
Indirect, incidental, or consequential damages.
The Service Provider’s total liability shall not exceed the total fees paid by the Customer during the three months preceding the claim.
11. LIABILITY
The Customer may close their Account by notifying Nordgate in writing with one month’s notice.
Nordgate may also terminate the Account immediately if:
The Customer violates these Terms;
Fraud, AML, or compliance concerns arise;
The Customer provides false or incomplete information.
Upon closure, the Customer must withdraw any remaining funds before termination.
12. LIABILITY
Both parties agree to maintain strict confidentiality of all non-public information exchanged during the course of the relationship, except where disclosure is required by law.
13. LIABILITY
Nordgate Financial Inc. processes personal data in accordance with applicable privacy and data protection laws. Details on data handling are provided in our Privacy Policy available on the Website.
14. LIABILITY
Nordgate Financial Inc. reserves the right to modify these Terms at any time.
Customers will be notified at least 30 calendar days prior to any significant changes.
Continued use of the Services after the notice period constitutes acceptance of the updated Terms.
15. LIABILITY
These Terms and Conditions are governed by the laws of Ontario, Canada.
Any disputes arising out of or relating to this Agreement shall be resolved by the courts of Toronto, Ontario, which shall have exclusive jurisdiction.
Nordgate Financial Inc.
Registered Office: 6d – 7398 Yonge St, PMB 889, Thornhill, Ontario, L4J 8J2, Canada
Company Number: 1001036413
Website: www.nordgatefinance.com
Email: info@nordgate.financial
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