Payment Terms
Last updated: January 13, 2022
Date of Contract
The date of your contract with Getbartering.com begins on the date you sign up for your Getbartering.com Account. There is no fixed term, and you may cancel without penalty at any time.
Cancellation of contract(s) and any applicable penalties
You may cancel your Getbartering.com Account at any time and without penalty by clicking the “Deactivate Your Account” link in the Account & Settings tab of your Getbartering.com Dashboard. For more information, click here.
For the avoidance of doubt, you also may cancel your Getbartering.com Account without penalty in the event of:
• a fee increase, except one made in accordance with a pre-determined fee schedule in your contract;
• the introduction of a new fee; or
• a reduction in applicable interchange rates that is not fully passed on to the merchant.
To do so, you may cancel your Getbartering.com Account at any time, including within 90 days of the date of receiving notice of:
• the fee increase;
• the introduction of a new fee; or
• the reduction of the applicable interchange fees.
Complaint handling procedures Please contact Getbartering.com Support, including by telephone at 902-461-0669 with your “Customer Code” shown in the Support Center reached via your Getbartering.com Dashboard.
Transaction return policy
You may process refunds or returns through Getbartering.com within 120 days of the transaction date. When you do so, your customer will be refunded their full purchase amount, and you will be refunded Getbartering.com’s applicable processing fee. There is no additional fee to process refunds. More information on Getbartering.com’s refund process can be found here.
Statements
You can access and download statements and custom sales summaries free of charge from the “Sales” tab in your on-line Getbartering.com Dashboard.
Fee Disclosure
More information on Getbartering.com’s fees can be found here.
Services
Trade/Bartering & Wallet Transfer Commission
| Volume (Monthly) | Regular Rate | *Introductory Rate |
| $0 – $1,000 | 15% | 7.5% |
| $1,001 – $5,000 | 10% | 5% |
| $5,001 – $10,000 | 7.5% | 3.75% |
| $10,001+ | 5% | 2.5% |
By using Getbartering.com (“Getbartering.com,” and together with Get Financial, collectively and individually according to context, “Getbartering.com” “we,” “our,” or “us”) payment processing services (“Payment Services”), you agree to be bound by the General Terms of Service (“General Terms”) and these additional terms and conditions (“Payment Terms”). If you are using the Payment Services on behalf of a business, you agree that you accept all these terms and have authority to enter into these terms on behalf of that business. Payment Services may only be used for business purposes within the provinces and territories of Canada. Defined terms not otherwise defined herein will have the same meaning as those found in the General Terms.
Payment Services
- Our Role
Getbartering.com is a payment facilitator that allows you to purchase and sell goods and service on Getbartering.com. We are not a financial institution as defined in the Bank Act (Canada) and do not offer banking services as defined by the United States Department of Treasury. Getbartering.com Payment Services allow you to accept payments and sell products and service in Get Coin (“Get Coin”, is a member based private trading token used to facilitate the exchange of goods and services between businesses through GETbartering.com or between business to business). By accepting or otherwise agreeing to these Payment Terms, you agree to accept Get Coin as the payment method. - Your Authorization
In connection with the Payment Services, you authorize us to act as your agent for the limited purposes of holding, receiving, and disbursing funds on your behalf. Your authorization permits us to generate a paper draft or an electronic funds transfer to settle the proceeds of each transaction that you authorize, less any applicable Fees (as defined in Section 4) (“Proceeds”). Your authorizations will remain in full force and effect until your Getbartering.com Account is closed or terminated. Our receipt of transaction funds satisfies your customer’s obligations to make payment to you. We will remit to you funds actually received by us on your behalf, less amounts owed to us, subject to any Chargeback (as defined in Section 18) or Reserve (as defined in Section 14) withheld or applied. This authorization also permits us to debit any of your linked bank accounts at any time for the purposes specified in these Payment Terms and the General Terms. You also agree to be bound by any applicable rules of Payments Canada. - Prohibited Industries
You may not use the Payment Services for the following businesses or business activities: (1) any illegal activity or goods, (2) paraphernalia that may be used for illegal activity, (3) unauthorized multi-level marketing businesses, (4) betting, including lottery tickets, sports related gambling, casino gaming chips, off-track betting, and wagers at races, (5) sales of (i) firearms, firearm parts or hardware, and ammunition; or (ii) weapons and other devices designed to cause physical injury (6) internet/mail order/telephone order of age restricted products (e.g., beer, wine), (7) cigarettes or tobacco, (8) occult materials, (9) hate or harmful products, (10) escort services. - Our Fees
You agree to pay the applicable fees listed on our Fee Schedule (“Fees”) for use of the applicable Payment Services. All Fees are charged at the time we process a transaction and are deducted first from the transferred or collected funds and thereafter from the Balance (as defined in Section 15) in your Getbartering.com Account. Subject to the General Terms and these Payment Terms, we reserve the right to change our Fees upon ninety (90) days’ advance notice. You must agree to the change in Fees to continue to use the Payment Services. All Balances and all Fees, charges, and payments collected or paid through the Payment Services are denominated in Canadian dollars, unless otherwise specified. - Processing Errors
We will attempt to fix processing errors we discover. If the error resulted in your receipt of fewer funds than you were entitled, we will credit your Getbartering.com Account for the difference. If the error results in your receipt of more funds than you were entitled, Getbartering.com will debit the extra funds from your Getbartering.com Account or your linked bank account. You are responsible for monitoring your transactions and ensuring that our payments to you are correct. You must notify us of any errors in payments made to you within sixty (60) days of the error first appearing on your electronic transaction history. Failure to notify us of a processing error within sixty (60) days will be deemed a waiver of any right to the amount applicable to the error. We will only correct transactions that you process incorrectly if you notify us of such an error. - Getbartering.com Account
You must open a Getbartering.com Account to access any Proceeds. You confirm that you are either a legal resident of Canada, a Canadian citizen, or a business entity authorized to conduct business by the province(s) or territory(ies) in which you operate and that you are an authorized signatory for the business you represent. You must use your or your business’ true and accurate name when opening a Getbartering.com Account. If a transaction dispute results from your failure to use a reasonably descriptive user name, you agree to indemnify Getbartering.com for any costs stemming from such dispute. - Underwriting and Identity Verification
Getbartering.com will review the information you submit while signing up for the Payment Services. You authorize Getbartering.com to request identity verifying information about you, including, but not limited to, (a) a consumer and/or credit report that contains your name and address and may contain “credit information” such as age, occupation, place of residence, previous places of residence, marital status, spouse’s name and age, number of dependants, particulars of education or professional qualifications, places of employment, previous places of employment, estimated income, paying habits, outstanding debt obligations, cost of living obligations and assets and other personal information, and (b) to the extent applicable, a confirmation from the appropriate governmental authority of your corporation’s legal existence. Getbartering.com may periodically obtain additional reports to determine whether you continue to meet the requirements for a Getbartering.com Account. You permit Getbartering.com to share information about you and your application (including whether you are approved or declined), and your Getbartering.com Account with your bank or other financial institution, or as otherwise specified in the Privacy Policy. Getbartering.com or its processor and/or acquiring bank, which may or may not be located in Canada, may conclude that you will not be permitted to use the Payment Services. - Requests for Additional Information and Inspection
Getbartering.com may request additional information from you at any time. For example, Getbartering.com may ask you to present invoices from your suppliers, a government issued identification such as a passport or driver’s license, a business license, or other information. Getbartering.com may also ask for permission to inspect your business location. If you refuse any of these requests, your Getbartering.com Account may be suspended or terminated.
Use of Your Getbartering.com Account for Payment Services - Access to Proceeds
We will settle Proceeds to your verified bank account, upon your request, any funds above your minimum required balance. If Getbartering.com is not able to debit or credit the bank account you link to your Getbartering.com Account, that bank account will be de-linked from your Getbartering.com Account. If you do not have an ACSS-enabled bank account linked to your Getbartering.com Account, you may request a physical cheque for Proceeds. Cheque requests may be subject to a processing fee and an identity verification process. You must request a cheque or link an ACSS-enabled bank account to your Getbartering.com Account in order to receive your Proceeds. - Right of Setoff
To the extent permitted by applicable law, you grant us a security interest in, as well as a right of setoff against, and assign, convey, deliver, pledge and transfer to us, as security for repayment of any obligations due under these Payment Terms, all of your right, title, and interest in and to all of your accounts with us. You authorize us, without prior notice to you and irrespective of (i) whether we have made demand under these Payment Terms or any other related agreements; and (ii) whether the obligation is contingent, matured or unmatured, to the extent permitted by law, to collect, charge, and/or setoff all sums owing on the indebtedness against any and all such accounts and other obligations, and our option, to administratively freeze or direct any third party bank holding the account to freeze all such accounts to allow us to protect our security interest, collection, charge and setoff rights as provided for in this section. For clarity, you agree that Getbartering.com may setoff amounts owed against funds held or processed and may setoff amounts owed against funds held or processed by Getbartering.com. - Payout Schedule
Getbartering.com will initiate a payout of Proceeds to your valid, linked Canadian bank account, upon your request, any amounts exceeding your set minimum balance. Getbartering.com will initiate a payout of Proceeds received on non-business days before the next business day. - Availability of Proceeds
We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the Services. We also may defer payout or restrict access to your Proceeds as necessary to comply with applicable law or court order, or if requested by any governmental entity. - Getbartering.com Account History
When a payment is made to your Getbartering.com Account, we will update your Getbartering.com Account activity on the website and provide you a transaction confirmation. The confirmation will serve as your receipt. Summaries of your Getbartering.com Account activity, including monthly statements, are available on our website for up to one year of account activity. Except as required by law, you are solely responsible for (a) compiling and retaining permanent records of all transactions and other data associated with your Getbartering.com Account and your use of the Payment Services, and (b) reconciling all transactional information that is associated with your Getbartering.com Account. If you believe that there is an error or unauthorized transaction activity is associated with your Getbartering.com Account, you must contact us immediately. - Reserve for Holding Funds
We may withhold funds by temporarily suspending or delaying payment of Proceeds to you and/or designate an amount of funds that you must maintain in your Getbartering.com Accounts or in a separate reserve account (a “Reserve”) to secure the performance of your obligations under any agreement between you and Getbartering.com. We may require a Reserve for any reason related to your use of the Services. The Reserve will be in an amount as reasonably determined by us to cover potential losses to Getbartering.com. The Reserve may be raised, reduced or removed at any time by Getbartering.com, in its sole discretion, based on your payment history, a credit review, the amount of any arbitration award or court judgment against you in Getbartering.com’s favor, or otherwise as Getbartering.com or its processor may determine or require. If you do not have sufficient funds in your Reserve, we may fund the Reserve from any funding source associated with your Getbartering.com Accounts, including any funds (a) transferred by you, (b) due to you, or (c) available in your bank account, or other payment instrument registered with us. Upon acceptance of these Payment Terms, you confirm that you have read, understood and accepted Getbartering.com’s Pre-Authorized Debit Agreement. You agree to execute any additional documentation as may be required from time to time for us to debit your bank account as described in these Payment Terms. You grant us a security interest in and lien on any and all funds held in any Reserve, and also authorize us to make any withdrawals or debits from the Reserve or any bank account linked to any of your Getbartering.com Accounts, without prior notice to you, to collect amounts that you owe us. You will execute any additional documentation required for us to perfect our security interest in any funds in the Reserve. This security interest survives for as long as we hold funds in your Reserve. - Getbartering.com Account Balances
While you have funds in your Getbartering.com Account (your “Balance”), your Balance will be co-mingled and held with other participants’ funds in one or more pooled accounts at one or more banks by us on your behalf and for the benefit of you and others holding balances (each a “Pooled Account”). We have sole discretion over the establishment and maintenance of any pooled account. We will not voluntarily make funds available to our creditors in the event of bankruptcy or for any other purpose. You will not receive interest or any other earnings on any funds that we handle for you. As consideration for using the Payment Services, you irrevocably assign to us all rights and legal interests to any interest and/or other earnings that may accrue or are attributable to our holding of your Balance in a Pooled Account or Reserve. - Our Set-off Rights
To the extent permitted by law, we may set off against the Balances for any obligation you owe us under any agreement with Getbartering.com (e.g., Chargebacks or refunds). If you owe us an amount that exceeds your Balance, we may charge or debit a payment instrument registered in your Getbartering.com Account or any connected Getbartering.com Account (as well as set off against any Balance in any connected Getbartering.com Account). Your failure to fully pay amounts that you owe us on demand will be a breach of these terms. You are liable for any of our costs associated with collection in addition to any amounts owed, including legal fees and expenses, and collection agency fees. - Dormant Getbartering.com Accounts
If you do not process payments or post product or service offers through your Getbartering.com Account for an extended period of time or have not linked a valid bank account, you may have a Balance that is deemed “unclaimed” or “abandoned” under your province’s law. If this occurs, Getbartering.com will provide you with notice as required by applicable law and instructions for how to transfer your Balance. If funds still remain in your Getbartering.com Account, Getbartering.com will transfer such funds to the applicable provincial government as required by applicable law or, as permitted, to Getbartering.com.
Chargebacks - Your Liability for Chargebacks
There may be times when your customer may not be the authorized user or your customer may otherwise contest the transaction. In these instances, the amount of a transaction may be reversed or charged back to your Getbartering.com Accounts (a “Chargeback”) if the transaction (a) is disputed, (b) was not authorized or we have any reason to believe that the transaction was not authorized, or (d) is allegedly unlawful, suspicious, or in violation of these terms. You agree to comply with the Chargeback process and to the liability associated with such Chargebacks. - Our Collection Rights for Chargebacks
For any transaction that results in a Chargeback, we may withhold the Chargeback amount in a Reserve. We may recoup the amount of any Chargeback and any associated Fees, fines, or penalties listed in the Fee Schedule from your Getbarting.com wallet or any bank account linked to your Getbartering.com Account. If you have pending Chargebacks, we may delay payouts from your Getbartering.com Account. Further, if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you until such time that: (a) a Chargeback is assessed due to a customer complaint, in which case we will retain the funds; (b) the period of time under applicable law or regulation by which your customer may dispute that the transaction has expired; or (c) we determine that a Chargeback on the transaction will not occur. If we are unable to recover funds related to a Chargeback for which you are liable, you agree to pay us the full amount of the Chargeback immediately upon demand. You agree to pay all costs and expenses, including legal fees and expenses, incurred by us for the collection of all amounts unpaid by you. - Excessive Chargebacks
If we believe you might incur, or you are incurring, an excessive amount of Chargebacks, we may establish additional conditions governing your Getbartering.com Account, including (a) establishing new processing fees, (b) creating a Reserve in an amount reasonably determined by us to cover anticipated Chargebacks and related fees, (c) delaying payouts, or (d) terminating or suspending the Payment Services. - Contesting Chargebacks
You will assist us when requested, at your expense, to investigate any of your transactions processed through the Payment Services. To that end, you permit us to share information about a Chargeback with the customer in order to investigate and/or mediate a Chargeback. We will request necessary information from you to contest the Chargeback. If the Chargeback is contested successfully, we will release corresponding reserved funds to your Getbartering.com Account. If a Chargeback dispute is not resolved in your favor or you choose not to contest the Chargeback, we may recover the Chargeback amount and any associated fees as described in these terms. You acknowledge that your failure to assist us in a timely manner when investigating a transaction, including providing necessary documentation within fifteen (15) days of our request, may result in an irreversible Chargeback. We reserve the right, upon notice to you, to charge a fee for mediating and/or investigating Chargeback disputes.
Compliance with Network Rules and Laws - Unauthorized or Illegal Use
You will only accept transactions that are allowed by applicable law. We may decide not to authorize or settle any transaction that you submit to us if we believe that the transaction is in violation of these terms or any other agreement with Getbartering.com, or that it exposes you, your customers, other Getbartering.com Sellers, our processors or Getbartering.com to harm. Harm includes fraud and other criminal acts. If we suspect that your Getbartering.com Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your Getbartering.com Account, and any of your transactions with law enforcement and, as deemed necessary by Getbartering.com, our payment processing and financial institution partners. - Assignment of Receivables
With the exception of required by applicable law, you will not assign receivables or proceeds due to you under these terms to any third party. - Taxes
You are responsible for determining any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason for your use of the Payment Services (“Taxes”). You also are solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the appropriate tax authority. We are not obligated to, nor will we, determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction. Getbartering.com specifically disclaims any liability for Taxes. We will report payments and other information to regulatory and government authorities to the extent required by applicable law. - Registered Charities
If you operate a registered charity, you may offer Getbartering.com electronic receipts to your donors as a convenience, by completing the required fields in the “Account” section of our website. You acknowledge that not all payments made to your organization may be eligible for classification as “tax deductible to the extent allowed by law,” and you assume full responsibility for the classification of your transactions. Getbartering.com specifically disclaims any liability in this regard. - Customer Service
You are solely responsible for all customer service policies and issues relating to your goods or services, including pricing, order fulfillment, cancellations or no shows by you or a customer, returns, refunds and adjustments, rebates, functionality and warranty, technical support, and feedback concerning experiences with your personnel, policies or processes. In performing customer service, you will always present yourself as a separate entity from us. As between you and us, we are solely responsible for customer service issues relating to any Getbartering.com Account, payment, debiting or crediting.
If you have a complaint, please contact Getbartering.com Support, including by telephone with your customer code at Quik Cash 902-461-0669. - Refunds and Returns
By accepting our Payment Services, you agree to process returns of, and provide refunds and adjustments for, your goods or services through your Getbartering.com Account in accordance with these Payment Terms. The amount of the refund/adjustment must include any associated taxes required to be refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the customer for postage that the customer paid to return merchandise. If your refund policy prohibits returns or is unsatisfactory to the customer, you may still receive a Chargeback relating to such sales. You can process a refund through your Getbartering.com Account up to one hundred twenty (120) days from the day you accepted the payment. If your available Getbartering.com Balance is insufficient to cover the refund, Getbartering.com will withdraw up to the requested refund amount (the sale amount minus the initial transaction fee) from your digital wallet registered with your Getbartering.com Account or any connected Getbartering.com Account and credit it back into your customer’s Card. The Fees are also refunded by Getbartering.com, so the full purchase amount is always returned to your customer. Getbartering.com has no obligation to accept any returns of any of your goods or services on your behalf. - Additional Indemnity
In addition to Section 15 of the General Terms, you will indemnify, defend, and hold us (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, Tax assessments, penalties, interest, and expenses (including reasonable legal fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to any transaction submitted by you through the Payment Services (including the accuracy of any content or product, service, or transaction information that you provide or any claim or dispute arising out of products or services offered or sold by you). - Additional Representations, Warranties, and Covenants
In addition to Section 16 of the General Terms, with each transaction you process through the Payment Services, you represent, warrant and covenant to us that: (a) the transaction represents a bona fide sale; (b) the transaction accurately describes the goods and/or services provided to the customer; (c) you will fulfill all of your obligations to the customer and will resolve any dispute or complaint directly with the customer; (d) you and the transaction comply with all federal, provincial, territorial, and local laws, rules, and regulations applicable to you and your business, including any applicable tax laws and regulations; (e) except in the ordinary course of business, you are not submitting a transaction that represents a sale to any principal, partner, proprietor, or owner of your entity; and (f) you are not submitting a transaction involving your own Getbartering.com Account (except for reasonable test transactions).
Termination - Termination of Payment Services
Getbartering.com may terminate your use of the Payment Services at any time for any reason. Any termination of these terms does not relieve you of obligations to pay Fees or costs accrued prior to the termination, Chargebacks, and any other amounts owed to us as provided in these Payment Terms or the General Terms. If your access to Payment Services has been terminated, you may still be permitted to use Getbartering.com’s other products, subject to our discretion. - Payment Services Upon Closure of Your Getbartering.com Account
Closure of your Getbartering.com Account will cancel any pending transactions. Any funds that we are holding in custody for you at the time of closure, less any applicable Fees, will be paid out upon your request, subject to the other conditions in these Payment Terms. If an investigation is pending at the time you close your Getbartering.com Account, we may hold your funds as described herein. If you are later determined to be entitled to some or all of the funds, we will release those funds to you. - Survival
The following sections will survive termination of these Payment Terms, in addition to those that survive under Section 12 of the General Terms: 5 (Processing Errors), 7 (Underwriting and Identity Verification), 9 (Access to Proceeds), 10 (Right of Setoff), 11 (Payout Schedule), 12 (Availability of Proceeds), 13 (Getbartering.com Account History), 14 (Reserve for Holding Funds), 15 (Getbartering.com Account Balances), 16 (Our Set-off Rights), 17 (Dormant Getbartering.com Accounts), 18 (Your Liability for Chargebacks), 19 (Our Collection Rights for Chargebacks), 20 (Excessive Chargebacks), 21 (Contesting Chargebacks), 26 (Taxes), and 32 (Customer Service). - Language
The parties have requested that these Payment Terms and all related documents be drawn up in English only. Les parties aux présentes ont exigé que ces modalités de paiement et tous les documents qui s’y rattachent soient rédigés en anglais seulement. - Introductory Rate expires on December 31, 2024.