Privacy Policy for ItsPAID.global

Effective Date: FEB 1, 2023

Introduction:

At ItsPAID.global, we are committed to protecting the privacy of our customers and clients. This Privacy Policy outlines the types of personal information we collect, how it is used and protected, and with whom it may be shared. By using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our services.

Types of Information Collected:

We collect personal information that you provide to us when you use our services, including, but not limited to: name, mailing address, email address, telephone number, financial information, and transaction history. We may also collect additional information about you from public sources or from third parties.

Use of Information:

We use the information we collect for the following purposes:

• To provide and improve our services
• To communicate with you about your transactions and our services
• To comply with legal and regulatory requirements
• For internal business purposes, such as data analysis and audits

Protection of Information:

We take reasonable measures to protect the personal information we collect from unauthorized access, use, or disclosure. However, no security measures can be 100% effective and we cannot guarantee the security of your personal information.

Sharing of Information:

We do not sell, trade, or otherwise transfer your personal information to outside parties. We may share your personal information with third-party service providers to perform services on our behalf, such as processing payments or conducting data analysis. These third-party service providers are prohibited from using your personal information for any other purpose.

Access to and Correction of Information:

You have the right to access and correct your personal information that we collect and maintain. To make a request, please contact us at: legal@itspaid.net.

Changes to this Privacy Policy:

We may make changes to this Privacy Policy from time to time. If we make any material changes, we will notify you by email or by posting a notice on our website prior to the change becoming effective.

Contact Information:

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

The Inspire Group LLC (an registered incorporated under the laws of Wyoming, USA)
d/b/a: ItsPAID.global
10483 Manderson Plaza
Omaha, NE; 68134; USA
Email: support@itspaid.global
Email: legal@itspaid.global

This Privacy Policy was last updated on FEB 1, 2023.

Terms of Service for ItsPAID.global LLC. (d/b/a: ItsPAID.global)

Effective Date: FEB 1, 2023

Introduction:

Welcome to ItsPAID.global. As an e-wallet service provider and payment transfer service offered by ItsPAID.global (hereinafter referred to as "ItsPAID.global" or "we"). By accessing or using ItsPAID.global, you agree to be bound by these Terms of Service (the "Terms"). If you do not agree to the Terms, please do not use ItsPAID.global.

Description of Services:

ItsPAID.global provides a platform for customers to manage their e-wallet and make online payments. The services offered by ItsPAID.global are subject to change from time to time, without notice.

Eligibility:

To be eligible to use ItsPAID.global, you must be at least 18 years of age and have the capacity to enter into a binding agreement with ItsPAID.global.

User Accounts:

To use ItsPAID.global, you must create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to immediately notify ItsPAID.global of any unauthorized use of your account.

Fees and Payments:

ItsPAID.global may charge fees for the use of certain services. The fees and payment terms will be disclosed to you prior to your use of the relevant services. You agree to pay all fees and charges incurred in connection with your use of ItsPAID.global.

Prohibited Activities:

You may not use ItsPAID.global for any illegal or unauthorized purpose. You may not use ItsPAID.global to transmit any viruses, worms, or other harmful code. You may not engage in any activities that interfere with the operation of ItsPAID.global or the use of ItsPAID.global by others.

Intellectual Property:

ItsPAID.global and its licensors own all rights, title, and interest in and to ItsPAID.global, including all intellectual property rights. You may not use the intellectual property of ItsPAID.global without its prior written consent.

Disclaimer of Warranties:

ItsPAID.global is provided on an "as is" and "as available" basis. ItsPAID.global makes no representations or warranties of any kind, express or implied, as to the operation of ItsPAID.global or the information, content, materials, or products included on ItsPAID.global.

Limitation of Liability:

You agree to waive all rights to sue ItsPAID.global and to indemnify ItsPAID.global against any losses that may result from your use of ItsPAID.global.

Termination:

ItsPAID.global may terminate your use of ItsPAID.global at any time, without notice, for any reason.

Governing Law:

The Terms and your use of ItsPAID.global are governed by and construed in accordance with the laws of the State of Wyoming and the federal laws of the U.S.A. applicable therein.

Entire Agreement:

The Terms constitute the entire agreement between you and ItsPAID.global with respect to your use of ItsPAID.global.

Contact Information:

If you have any questions or concerns about the Terms or ItsPAID.global, please contact us at:

The Inspire Group LLC (an registered incorporated under the laws of Wyoming, USA)
d/b/a: ItsPAID.global
10483 Manderson Plaza
Omaha, NE; 68134; USA
Email: legal@itspaid.global

High-Risk Jurisdictions, Activity, Persons & Restricted Use

Use of Inspire's services for any dealings, engagement, or sale of goods or services either directly or indirectly with the following are prohibited:

High-risk jurisdictions

Persons located in, resident in, or a citizen of, or products or services originating from jurisdictions that Inspire has determined for various reasons, including legal, contractual, and commercial reasons, to be prohibited, including, Cuba, Iran, North Korea, and Syria, and the Crimea, Donetsk, and Luhansk regions.

High-risk persons

Persons Inspire has determined for various reasons, including legal, contractual, and commercial reasons, to be prohibited, such as those individuals or entities named to a restricted person or party list of, or otherwise restricted by, the United States, United Kingdom, European Union, or United Nations, including the sanctions maintained by the US Office of Foreign Assets Control or the Denied Persons List or Entity List maintained by the US Department of Commerce.

Additionally, it's prohibited to use Inspire's products and services directly or indirectly:

Prohibited services

Export, re-export, sell, or supply accounting services; trust and corporate formation services; management consulting services; architecture services; engineering services; quantum computing services; information technology (IT) consultancy and design services; and IT-support services and cloud-based services for enterprise management software and design and manufacturing software to any person located in Russia. In the European Union and the United Kingdom, it is prohibited to use Inspire's products and services, directly or indirectly, to provide credit-rating services, market research and public relations services, advertising services, auditing services, or legal advisory services to any person located in Russia.

Prohibited goods

Deal in any goods prohibited by law for export to or import from Russia (for example, luxury goods, sensitive goods included in the Common High Priority Items List, enterprise management software and design software).

Prohibited Businesses

You must not use Inspire's services for any illegal activities or for the businesses or product types listed below. The types of businesses listed here are representative of prohibited categories, but this is not an exhaustive list.

Any illegal products and services

• Illegal drugs, substances designed to mimic illegal drugs, including kava
• Equipment and items intended to be used for making or using drugs
• Fake references or ID-providing services
• Telecommunications manipulation equipment, including jamming devices
• Businesses that engage in, encourage, promote, or celebrate unlawful violence or physical harm to persons or property
• Businesses that engage in, encourage, promote, or celebrate unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
• Any other products or services that are in violation of law in the jurisdictions where your business is located or to which your business is targeted

Adult content and services

• Adult services, including prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, and adult live-chat features
• Adult video stores
• Gentleman's clubs, topless bars, and strip clubs
• Pornography and other mature audience content (including literature, imagery, and other media) depicting nudity or explicit sexual acts
• Any artificial intelligence generated content that meets the above criteria

Debt relief companies

• Debt settlement, debt negotiation, and debt consolidation

The following financial products and services

• ATMs
• Cheque cashing
• Debt collection agencies
• Funded prop trading
• Money orders and travelers' checks
• Payable-through accounts
• Peer-to-peer money transmission
• Selling bearer shares
• Shell banks

Gambling

• Games of chance including gambling, internet gambling, casino games, sweepstakes and contests, and fantasy sports leagues with a monetary or material prize
• Games of skill including video game and mobile game tournaments or competitions, darts, card games, and board games with a monetary or material prize
• Payments of an entry or player fee that promise the entrant or player will win a prize of value
• Sports forecasting or odds-making with a monetary or material prize
• Lotteries
• Bidding fee auctions

Government services

• Offering products and services by or on behalf of embassies and consulates
• Offering government services without authorisation or value-add
• Offering government services with misleading claims
• Disbursement of government economic support, such as grants

Identity services

• Identity theft protection services including monitoring and recovery

Products and services that infringe on intellectual property rights

• Sales or distribution of music, films, software, or any other licensed materials without appropriate authorization
• Counterfeit goods
• Illegally imported or exported products
• Unauthorized sale of brand-name or designer products or services
• Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary, or privacy rights of any third party

The following legal services

• Bankruptcy lawyers
• Bail bonds
• Law firms collecting funds for purposes other than legal service fee payment

Lending and credit

• Loan repayments with credit cards
• Credit monitoring, credit repair, and counselling services

Marijuana (see the FAQs for additional details)

• Cannabis products
• Cannabis dispensaries and related businesses
• CBD products with THC levels greater than the applicable local jurisdiction's legal limit, including CBD edibles
• Hydroponic equipment and other cultivation or production equipment marketed for growing marijuana
• Courses and information on cultivating marijuana

Nutraceuticals and pseudo-pharmaceuticals

• Pseudo-pharmaceuticals or nutraceuticals that are not safe or make harmful claims

Non-fiat currency

• Cryptocurrency mining and staking
• Initial coin offerings (ICOs)
• Secondary NFT sales

Travel

• Commercial airlines and cruises
• Charter and private airlines
• Timeshare services

Unfair, deceptive, or abusive acts or practices (acts or practices that contravene rules, laws, regulations, or guidance prescribed by the Federal Trade Commission, Consumer Financial Protection Bureau, or other local consumer regulatory bodies)

• Pyramid schemes
• Multi-level marketing services offering commission or recruitment-based sales
• "Get rich quick" schemes, including investment opportunities or other services that promise high rewards to mislead consumers; schemes that claim to offer high rewards for very little effort or up-front work; and sites that promise fast and easy money
• Businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, or use fake testimonials (with or without a written contract)
• Businesses offering unrealistic incentives or rewards as an inducement to purchase products or services
• No-value-added services, including the sale or resale of a service without added benefit to the buyer and resale of government offerings without authorization or added value
• Sales of online traffic or engagement
• Negative option marketing, negative option membership clubs, and reduced-price trials with unclear or hidden pricing
• Telemarketing
• Predatory mortgage consulting
• Predatory investment opportunities with no or low money down
• Suspicious remote technical support
• Door-to-door sales
• Document falsification services
• Any other businesses that Inspire considers unfair, deceptive, or predatory towards consumers

Weapons, firearms, explosives, and dangerous materials

• Guns, gunpowder, ammunitions, fireworks, and other explosives
• Weapon components such as firing pins, magazines, clips, and firearm conversion kits and any 3D-printed weapons
• Improperly marked replicas of modern firearms, including toys
• Pepper spray and stun guns
• Swords and katanas, unless they are meant as replicas or for the practice of martial arts
• Machetes
• Disguised knives and knives with opening mechanisms designed for quick deployment of a blade
• Pesticides requiring application by a certified professional
• Research chemicals
• Toxic, flammable, combustible, or radioactive materials
• Unmailable goods, per the United States Postal Service

Restricted Businesses

Businesses in these categories require additional due diligence by Inspire in order to confirm our ability to support them. When you create your Inspire account, you will be asked to provide additional information (such as proof of relevant licenses or more details about your business model) to confirm your eligibility to use Inspire. Due to card network rules, requirements of financial partners, and our own compliance and legal obligations, if your business falls into one of the categories below, Inspire might not be able to grant approval for your business to use our products. If we do provide approval, note that the approval is specific to each service offer, and it may be modified or revoked by Inspire at any time per the terms of the Inspire Services Agreement.

The types of businesses listed below are representative of our restricted businesses but not exhaustive.

Content creation platforms

Platforms that host or distribute third-party content and enable content creators to:

• Receive content-related tips and other payments in exchange for their content
• Sell exclusive content or digital goods

Crowdfunding and fundraising

• Fundraising conducted by non-profits, charities, political organisations, and businesses offering a reward in return for donation
• Crowdfunding platforms (Limited availability: Please contact our sales team if you would like to work with Inspire)
• Equity crowdfunding (Limited availability: Please contact our sales team if you would like to work with Inspire. Note: Supported in Australia, Germany, France, Singapore, the United Kingdom and the United States. Prohibited in all other countries)
• Charity sweepstakes and raffles for the explicit purpose of fundraising (Note: Supported in Australia, Brazil, Canada, Hong Kong, Ireland, Mexico, the United Kingdom, and the United States. Prohibited in all other countries.)
• Organizations fundraising for a charitable purpose (Note: Supported in Australia, Canada, the United Kingdom, and the United States. Prohibited in all other countries.)
• Religious Activity, including fundraising, tidings, donations of any kind. This is a case by case basis for approval and approval is in no way guaranteed upon submission for approval. Submission for approval has no costs and the submitting organization will not be charged for any activity that Inspire pursues to verify approval or denial of service.

Dating

Online dating and matchmaking services (Limited availability: Please contact our sales team if you would like to work with Inspire. Note: Specific prohibitions apply in the United States, India, United Arab Emirates, and Thailand; see Jurisdiction-specific prohibited businesses for more information.)

Cyberlockers

• Cyberlocker and file-sharing services

Regulated industries

Cannabidiol (CBD)

• CBD products containing only negligible amounts of THC, per local limits

Cryptocurrency (Limited availability: Please contact our sales team if you would like to work with Inspire)

• Cryptocurrency (for example, Bitcoin, Ripple, Ethereum, Dogecoin, Cardano, etc.) exchanges and wallets. For crypto and NFT support and availability by region, please contact our sales team.

Financial products and services (Limited availability: Please contact our sales team if you would like to work with Inspire)

• Investment and brokerage services, including real estate-based investments
• Lending services, including real estate loans
• Bank account funding
• Buy now, pay later services
• Money transmitters, remittances, currency exchange services, and other money service businesses
• Escrow services
• Neobanks or challenger banks
• Other financial services

Pharmaceuticals, medical devices and telemedicine (see the FAQs for additional details)

• Online pharmacies, including SaaS platforms
• Card-not-present prescription-only products and pharmaceuticals
• Prescription-only and regulated medical devices
• Prescription delivery services
• Telemedicine and telehealth services

Tobacco

• Tobacco products including e-cigarettes, cigars, and e-liquid
• Herbal cigarettes
• Production equipment specifically marketed for the production of tobacco products

Non-fiat currency and stored value

• First-party non-fungible tokens (NFTs) minting and sales, including marketplaces and SaaS platforms
• High-value precious metals and stones
• Sale of stored value or credits maintained, accepted, and issued by anyone other than the seller. Seller-maintained stored value or credits may be subject to limits.
• Sale of in-game currency or game items, unless the business is the operator of the virtual world
• Pre-loaded payment cards, gift cards, virtual credits, or other products and services in which a monetary value is stored within the item (digital or physical)

Third-party agents

• Payment facilitation and aggregation (including receiving settlement proceeds for goods or services that you did not provide, on behalf of one or multiple third-party sellers)

Businesses that might pose elevated financial risk

Travel

• Travel reservation services and clubs
• In-flight purchases

High-Risk Jurisdictions and Persons & Restricted Use

Prohibited Countries(Geographies)

There is no single "prohibited countries list"; rather, various U.S. government agencies maintain lists based on different regulations, with comprehensive embargoes generally applying to Cuba, Iran, North Korea, and regions of Ukraine (Crimea, Donetsk, Luhansk). Other countries like Russia, Syria, and Venezuela face targeted sanctions, while different lists exist for Arms Embargoes (e.g., Central African Republic, Eritrea) and other export controls under regulations such as the International Traffic in Arms Regulations (ITAR) and the Export Administration Regulations (EAR).

Comprehensive Embargoes

These programs broadly prohibit most transactions with the listed countries or regions.

• Cuba
• Iran
• North Korea
• Crimea, Donetsk, and Luhansk (regions of Ukraine)

Targeted Sanctions

These programs restrict specific activities or dealings rather than imposing a complete ban. Belarus, Russia, Syria, and Venezuela.

Other Lists and Regulations

Different regulatory frameworks have their own lists of prohibited countries or those subject to restrictions.

International Traffic in Arms Regulations (ITAR):

A list of countries with statutory prohibitions on defense articles and services, including countries like Belarus, China, and Vietnam.

Export Administration Regulations (EAR):

Lists countries with embargoes or targeted sanctions, such as the U.N. Arms Embargoed countries.

Key Considerations

• Specific Regulations: The specific list and restrictions depend on the type of activity or transaction, such as export controls, financial transactions, or travel.
• Dual-Use Items: Other countries may have restrictions on the export of "dual-use" items or technology, which can have both civilian and military applications.
• Constantly Evolving: Lists of sanctioned and embargoed countries are subject to change.

Inspire strives to keep up to date and ongoing compliance with the above and other jurisdictional restrictions, embargoes and conflict zone compliance mandates. If you have a transaction refused or returned – this may be the cause. We will do our best to limit your ability to have to "Not have Access" to a region; however, we will inform you when a transaction cannot be submitted accordingly.

ItsPAID.global servers are hosted at a secure datacenter in Toronto, Canada