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Terms & Conditions
Guidelines for the use of materials and information available on the XP Venture Labs website, encompassing proper usage, access restrictions, and liability disclaimers.
Terms & Conditions
10. Regulatory Disclosure
We may be legally required to collect, verify, retain, and report certain transaction or identity information to regulatory authorities, including the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). By using our services, you acknowledge and consent to such processing and disclosure as required by applicable law.
6. Compliance and Risk Management
We are required by law to perform customer due diligence, identity verification, and transaction monitoring in connection with certain services. You agree to provide accurate and complete information for these purposes and authorize XP Venture Labs to conduct verification checks, including screening against sanctions, Politically Exposed Persons (PEP) lists, and adverse media databases.
We reserve the right to suspend or terminate access to our services if we cannot verify your identity or if your activities are found to contravene applicable laws or pose a compliance risk.
1. Acceptance of Terms
By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, including the collection and use of information for identity verification, risk assessment, and compliance with applicable financial regulations.
Effective Date: 01/01/2022
Welcome to XP Ventures Labs ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website and services. By accessing or using our website and services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
2. Services
We offer a wide range of software consulting services designed to address the diverse needs of our clients. These include:
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Business Intelligence & Data Engineering to enable data-driven decision-making.
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Software Engineering and Software Architecture for building and designing scalable, robust solutions.
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Product Management and Project Planning/Management to streamline development lifecycles.
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Security, Risk Management & KYC, and Quality Assurance to ensure safety, compliance, and reliability.
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DevOps and Development Team Management for operational efficiency and team coordination.
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Product Design to deliver user-focused, visually engaging designs.
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Fintech Payment Solutions to allow businesses to complete financial transactions efficiently. Some of our services, particularly those involving financial technology (fintech), payments, or risk management, may require identity verification, compliance screening, and transaction monitoring under applicable laws and regulations (including FINTRAC’s AML/CTF obligations). By using these services, you acknowledge and agree that we may collect, verify, and process personal information as described in our Privacy Policy for compliance and security purposes.
The specifics of our services, including scope, deliverables, timelines, and fees, will be detailed in individual agreements or Statements of Work (SOW), ensuring tailored solutions for every client.
3. Use of Website
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Eligibility: You must be at least 18 years old to use our website.
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User Conduct: You agree not to use our website for any unlawful purpose or in any way that could harm, disable, overburden, or impair our website.
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Account Security: If you create an account on our website, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
4. Intellectual Property
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Ownership: All content, trademarks, and data on our website are the property of XP Ventures Labs or our licensors and are protected by applicable intellectual property laws.
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License: We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal and non-commercial purposes.
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Restrictions: You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.
5. Confidentiality
Both parties agree to maintain the confidentiality of any proprietary or confidential information disclosed during the course of our services. This obligation extends beyond the termination of our engagement.
Notwithstanding the foregoing, XP Venture Labs may disclose certain information to regulatory authorities, law enforcement, or third-party compliance partners as required by applicable laws (including anti-money laundering, counter-terrorist financing, and sanctions regulations) or as necessary to perform compliance-related due diligence in accordance with our Privacy Policy.
7. Limitation of Liability
To the fullest extent permitted by law, XP Ventures Labs shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use our website or services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein.
8. Indemnification
You agree to indemnify and hold harmless XP Ventures Labs, its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, arising out of your use of our website or services, your violation of these Terms, or your infringement of any intellectual property or other right of any person or entity.
9. Termination
We reserve the right to terminate or suspend your access to our website and services, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
We may also suspend or terminate access to our services where required to comply with legal or regulatory obligations, or where continued service would expose XP Venture Labs to compliance or financial crime risk.
11. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically. Your continued use of our website or services following the posting of any changes constitutes acceptance of those changes.
12. Contact Us
If you have questions or concerns about this Terms & Conditions, please contact us at info@xpventurelabs.com.
