Welcome to https://atorre.pro (the “Website”), operated by ZEN PAYMENT INC., a company duly incorporated in British Columbia, Canada under license number C100000375, with its registered office located at Suite 408-55 Water Street, Vancouver, BC, Canada, V6B 1A1 (the “Company”).
ZEN PAYMENT INC. conducts its business activities under the brand name Atorre Pro. For any questions or support requests, you can reach us at support@atorre.pro.
By accessing and using this Website or any of its related services, you acknowledge that you have carefully reviewed and agreed to be bound by these Terms and Conditions, including any updates introduced by the Company from time to time. We encourage you to revisit this page regularly to remain informed of any modifications.
Account – an electronic money account opened with ZEN PAYMENT INC. (operating under the brand Atorre Pro), where the Client’s e-money is held.
Alternative Payment Method (APM) – any non-card payment method that ZEN PAYMENT INC. supports and has agreed to process, including but not limited to e-wallets or mobile billing solutions.
Wallet – a sub-account within the Client’s Account, maintained in a specific base currency chosen by the Client.
Base Currency – the reference currency selected by the Client before opening a Wallet in their Account.
Business Day – any day when ZEN PAYMENT INC. / Atorre Pro provides services to Clients, excluding weekends, statutory holidays in Canada, and any other non-working days announced in advance.
Business Relationship – the legal and commercial relationship established between ZEN PAYMENT INC. / Atorre Pro and the Client during the provision of Services.
Card – a payment card (e.g., Visa, Visa Electron, Mastercard, Maestro, or similar) that may be used as a payment instrument when carrying out Transactions.
Client – an individual or legal entity (including sole proprietors, merchants, or self-employed persons) that holds an Account with ZEN PAYMENT INC. / Atorre Pro or has applied for one, and with whom the Company maintains a Business Relationship.
Communication – all forms of instructions, orders, documents, transaction data, or other information exchanged between the Client and ZEN PAYMENT INC. / Atorre Pro, as further outlined in the section “Relationships and Communications between the Company and the Client.” Terms and Conditions – these Terms and Conditions, together with any annexes, governing the Services provided by ZEN PAYMENT INC. / Atorre Pro, including the use of its e-money system, interfaces, and any related platforms.
E-Money System – the technical and organizational infrastructure operated by ZEN PAYMENT INC., comprising the systems and procedures for the transfer, clearing, and/or settlement of electronic payment transactions, accessible through the Website and other designated access points.
Deposit – the act of crediting funds to the Client’s Account through the purchase of electronic money using one of the Company’s approved deposit methods.
Withdrawal – the transfer of funds from the Client’s Account through a withdrawal method chosen by the Client, carried out by redeeming electronic money.
Electronic Money (E-Money) – monetary value stored electronically (including magnetically), representing a Client’s claim on ZEN PAYMENT INC. / Atorre Pro, issued upon receipt of funds for the purpose of executing payment transactions via the Atorre Pro E-Money System, and accepted by the Client.
Fees – any fees, charges, or commissions applied by ZEN PAYMENT INC. / Atorre Pro for providing Services, as may be updated from time to time. In the event of any written agreement between the Client and the Company regarding Fees, such agreement shall take precedence over general pricing terms.
Services – all services offered by ZEN PAYMENT INC. / Atorre Pro under these Terms and Conditions, including but not limited to those made available through the Company’s Website, direct contracts, or the Atorre Pro E-Money System.
Transaction – any Client-initiated activity involving the placement, transfer, or withdrawal of funds, regardless of any underlying obligation between the Client and ZEN PAYMENT INC. / Atorre Pro.
Login Authorization Data – the unique credentials and verification tools issued to the Client by ZEN PAYMENT INC. / Atorre Pro for secure access to the Account, such as account numbers, passwords, login codes, and one-time verification messages delivered via email or mobile.
The Client acknowledges and accepts the following:
• ZEN PAYMENT INC., operating under the brand Atorre Pro, is not a bank or credit institution. Consequently, the Client’s Account with the Company does not constitute a bank account and is not covered by protections applicable to traditional banking services.
• Authorized Clients may access the Atorre Pro E-Money System, which enables them to purchase or redeem electronic money, as well as initiate and receive payments involving third parties. ZEN PAYMENT INC. acts solely as an independent service provider in this regard.
• Access to the Services is conditional upon the Client successfully completing the required Know Your Customer (KYC) process and any additional compliance checks necessary for the use of the Website and related Services. The Client further agrees to undergo periodic reviews, which may be scheduled on a regular, annual, or ad-hoc basis, depending on their activity.
• Additional documents and conditions—such as the Privacy Policy, Cookies Policy, and AML/KYC Statement—may be made available on the Website and within the Atorre Pro E-Money System. The Client bears full responsibility for consulting these materials on a regular basis in order to remain informed of any updates or amendments. Should the Client disagree with any modifications to these Terms or related conditions, they must immediately cease using the Website and Services.
3.1 Authorization.
Services are provided only to Clients who have been duly authorized by ZEN PAYMENT INC. (operating as Atorre Pro) following completion of all required inspections and compliance checks. As a condition of authorization, the Client must accept these Terms together with any supplementary conditions published from time to time on the Company’s Website.
3.2 Provision of Information.
During the authorization process, ZEN PAYMENT INC. may request information and documentation, including but not limited to proof of identity. The Company is also entitled to request any additional information required under applicable anti–money laundering and counter-terrorist financing regulations. The Client agrees to provide such information within fourteen (14) Business Days of the request. Failure to comply may result in suspension or closure of the Account.
3.3 Discretion of the Company.
The Company is under no obligation to approve or authorize a Client. At its sole discretion, ZEN PAYMENT INC. may determine the scope of information required and the terms under which the Client is accepted.
3.4 Ongoing Obligations.
The Client must ensure that all information provided remains accurate and up to date. ZEN PAYMENT INC. reserves the right to request updated information at any time, and the Client must comply. Non-compliance may lead to immediate termination of the relationship.
3.5 Notification of Changes.
The Client must notify ZEN PAYMENT INC. within fourteen (14) Business Days of any change in circumstances or facts relating to the documents or information originally provided during the onboarding process.
3.6 Account Ownership and Security.
Once authorized, the Client will be granted an Account. Each Account is personal and may only be used by the Client, and solely for the purposes declared during the Account application. Any material change in intended use requires a new application and review. The Client is responsible for safeguarding their login credentials (such as passwords, login codes, and other security features) and using the Account strictly in accordance with these Terms.
3.7 One Account Rule.
Each Client may hold only one approved Account. If multiple Accounts are opened, the Client authorizes ZEN PAYMENT INC. to close duplicate Accounts and transfer balances into a single Account, at the Company’s discretion.
3.8 System Integrity.
The Client must not tamper with, hack, or otherwise compromise the integrity or functionality of the Atorre Pro E-Money System. If suspicious activity is detected, ZEN PAYMENT INC. reserves the right to immediately freeze the Account and halt all transactions until investigations are concluded.
3.9 Language.
All communications, documentation, and contractual terms are provided in English. English shall be the governing language of these Terms and of all communications between the Client and ZEN PAYMENT INC.
3.10 Means of Communication.
The Company and the Client may communicate via telephone, email, or other approved technological channels. The Client acknowledges that electronic communications involve inherent risks, including delays, interception, or loss of data beyond the control of either party. By using these channels, the Client assumes such risks and releases ZEN PAYMENT INC. from liability for disruptions, delays, or transmission errors.
3.11 Recording of Communications.
The Company reserves the right to record and/or log all communications (including telephone calls, online chats, emails, and meetings) with the Client. These records may be used as evidence before regulators, authorities, or courts. However, the Client cannot rely on the availability of such records.
3.12 Notices.
The Company may deliver notices to the Client by posting them on the Website, by email to the address registered with the Account, by SMS, or by phone call. The Client is responsible for maintaining internet and email access to receive such notices. Unless otherwise stated, notices are deemed received:
• within 24 hours if posted on the Website or emailed, or
• within three (3) Business Days if sent by physical mail.
3.13 Client Requests.
The Client may request a copy of these Terms or other legally required disclosures in durable form (e.g., by email). Paper copies may be provided upon request, subject to a service fee. If the Client withdraws consent to receive disclosures electronically, ZEN PAYMENT INC. may close the Account.
3.14 Contacting the Company.
All notices or communications to ZEN PAYMENT INC. in connection with these Terms must be sent by email to: support@atorre.pro. By registering for or using an Account, the Client confirms that they have read, understood, and accepted these Terms in full. Use of the Account constitutes unconditional acceptance.
4.1 Account Access.
The Client may access their Account through the Website using the login authorization data issued by ZEN PAYMENT INC. (operating under the brand Atorre Pro). In case of any login or technical difficulties, the Client should promptly contact the Company’s support team at support@atorre.pro for assistance.
4.2 Verification.
Once the Client enters their login authorization data, the Company will verify its validity. Upon successful verification, the Client gains access to the Account and may submit payment transaction instructions to ZEN PAYMENT INC.
4.3 Security Breach Notification.
If the Client suspects that their login credentials have been obtained by an unauthorized third party, they must immediately notify ZEN PAYMENT INC. The Client may request that the Account be temporarily blocked until an investigation and identity verification have been completed. Such notification may be made by telephone or email.
4.4 Company Access.
The Client acknowledges that ZEN PAYMENT INC. may access Accounts for supervisory, audit, and security purposes. However, the Company will not initiate transactions or take other actions on a Client’s Account unless expressly permitted under these Terms.
4.5 Confidentiality Obligations.
The Client must keep all login authorization data strictly confidential and protect it from unauthorized use. The Client assumes full responsibility for any consequences resulting from loss, disclosure, or misuse of such data. The Client further agrees to indemnify and hold harmless ZEN PAYMENT INC. / Atorre Pro against any claims, damages, or liabilities arising from the unauthorized use of their login data.
4.6 Presumption of Use.
Any access to the Account using valid login authorization data will be presumed to have been made by the Client, unless proven otherwise. ZEN PAYMENT INC. reserves the right to request additional verification at any time to confirm the Client’s identity.
4.7 Blocking of Credentials.
If compromise of login credentials is suspected, the Client may request the Company to block access. Only the Client may request to have the block lifted after successful verification of their identity.
4.8 Disclaimer of Warranties.
The Client understands and agrees that the Atorre Pro E-Money System is provided strictly on an “AS IS” basis, without warranties of any kind, whether express or implied, including but not limited to those related to uninterrupted or error-free access.
5.1 Creation of Wallets.
Once the Client has authorized access to their Account, they may open and maintain electronic money sub-accounts, referred to as Wallets or E-Wallets, in different currencies. Each Wallet is recorded within the Atorre Pro E-Money System in the base currency selected by the Client.
5.2 No Minimum Balance Requirement.
The Client is under no obligation to maintain a balance in their Account or in any Wallet. Wallets may remain empty unless the Client decides to load funds.
5.3 Safeguarding of Funds.
Where a balance is maintained, the corresponding funds are safeguarded by being segregated from the Company’s own assets and pooled together with the balances of other Clients. These combined funds are held in one or more safeguarding accounts maintained by ZEN PAYMENT INC. / Atorre Pro, in compliance with applicable legal requirements and the Company’s internal safeguarding policies.
To initiate a Transaction, the Client must:
• Load their Account either by purchasing electronic money or by receiving electronic money from other Clients through the Atorre Pro E-Money System;
• Prepare the payment instruction for execution, subject to the final authorization of ZEN PAYMENT INC. Once the Company provides its authorization, the Transaction will be processed as instructed. ZEN PAYMENT INC. reserves the right to withhold authorization or decline a Transaction in line with these Terms, provided such refusal is not exercised unreasonably.
6.1 Deposits
The Client may purchase electronic money using the “Deposit” methods provided by the Company. Prior to accepting a deposit, the Client must complete identity verification, security checks, and any additional validation required by the Company. By making a Deposit, the Client authorizes ZEN PAYMENT INC. / Atorre Pro to:
1 Receive funds from the selected payment source;
2 Deduct any applicable Fees; and
3 Credit the corresponding electronic money to the Client’s Wallet.
Deposited funds will be allocated to the Wallet in the same currency as the deposit. If the Client does not already hold a Wallet in that currency, the Company may automatically create one and credit the funds, or alternatively convert the deposit into another currency at its discretion. The Client accepts that cross-border regulations and exchange rate differences may result in variances between processed and settlement amounts. The Client further acknowledges that once a Deposit is completed via Visa or Mastercard, it cannot be canceled or refunded. To redeem funds, the Client must initiate a Withdrawal in accordance with these Terms. ZEN PAYMENT INC. may impose limits, special conditions, or refuse a Deposit at its discretion.
6.2 Withdrawals
The Client may withdraw electronic money using the available withdrawal methods, subject to identity verification, security checks, and approval by the Company. By initiating a Withdrawal, the Client authorizes the Company to:
• Convert electronic money into the Client’s base currency;
• Deduct any applicable Fees; and
• Transfer the funds to the Client.
Withdrawals may only be directed to accounts held in the Client’s own name. The Client understands that ZEN PAYMENT INC. may be legally required to impose limits, request additional documentation, or delay Withdrawals until compliance obligations are satisfied. Deposits and Withdrawals are subject to Fees, currency conversion charges, and limits, which may vary depending on the Client’s verification level, risk profile, and at the sole discretion of the Company.
6.3 Payments within the E-Money System
The Client may transfer electronic money to other Clients or to third parties who accept Atorre Pro transfers. The Client must indicate the purpose of the payment, consistent with the business activities declared in their Account application. Upon entering the required details, the system will calculate and display applicable Fees. By confirming a Transaction, the Client assumes full responsibility for the accuracy of the information provided and authorizes ZEN PAYMENT INC. to process the payment accordingly. Transactions are typically executed immediately; however, delays may occur due to technical or operational issues. In such cases, the Company will take reasonable steps to ensure timely execution. Once initiated, Transactions are irrevocable and cannot be altered or canceled.
6.4 Internal Transfers
Clients may conduct Internal Transfers between Wallets in different currencies. The system will display an indicative exchange rate at the time of initiation. The Client accepts that the final exchange rate applied may differ slightly from the indicative rate. Internal transfers to another Client may also be initiated using the recipient’s registered email address and/or phone number within the Atorre Pro E-Money System.
6.5 Chargebacks
The Client agrees not to exercise chargeback rights on electronic money purchases, except in cases where ZEN PAYMENT INC. has failed to fulfill its obligations under these Terms. If the Client initiates a chargeback or reversal, they are obliged to reimburse the Company for the full amount of the disputed electronic money, along with any applicable Fees and expenses incurred in contesting the chargeback.
6.6 Refunds
Refunds may be considered in limited cases, including:
• Technical errors or malfunctions within the system resulting in incorrect transactions;
• Duplicate processing of the same transaction;
• Failure of the platform to complete a Transaction due to internal issues. Refund requests must be submitted within fourteen (14) days of the disputed transaction, together with relevant details (transaction ID, date, and description of the issue).
Supporting documents may also be required, such as proof of payment or identification. Failure to provide requested documentation within the specified timeframe may result in denial of the request. Approved refunds will be processed in the same currency and via the same payment method as the original transaction, unless otherwise agreed. Refunds cannot exceed the original transaction amount.
6.7 Unauthorized Transactions and Prohibited Uses
The Client is prohibited from using the Services for illegal purposes or engaging in the following activities:
• Abusing bank reversal processes or violating card network rules;
• Using Services in violation of applicable laws, including anti-money laundering, fraud, financial services, consumer protection, or other regulations;
• Sending unsolicited mass communications (spam);
• Tampering with, hacking, or disrupting the security or functionality of the E-Money System;
• Infringing intellectual property rights of the Company or third parties;
• Failing to cooperate with required investigations or to provide requested identification documents. This list is not exhaustive. The Client bears full responsibility for ensuring that their use of the Services is lawful and compliant with these Terms and all applicable regulations.
7.1 Recordkeeping.
A complete log of all Transactions carried out by the Client—including charges, applied Fees, and any applicable exchange margins—will be maintained within the Client’s Account. This record is accessible to the Client at any time through the Atorre Pro E-Money System.
7.2 Transaction Confirmation
For an additional fee specified on the Company’s Website, the Client may request ZEN PAYMENT INC. to issue confirmation of specific Transactions. Upon such a request, the Company is obliged to provide verification of Transactions executed on the Client’s Account.
7.3 Status Updates.
The Transaction History also reflects the current status of each Transaction, clearly indicating whether it has been completed, canceled, or remains pending.
8.1 Safeguarding of Funds.
ZEN PAYMENT INC. (operating under the brand Atorre Pro) applies strict procedures and controls designed to safeguard Client funds. All funds received from Clients are segregated from the Company’s own assets and are held in accordance with applicable laws and safeguarding standards, ensuring that they remain protected in the best interests of Clients.
8.2 Verification and Security Checks.
The Client acknowledges that certain actions—such as funding, purchasing, transferring, or redeeming electronic money—may require additional identity and security validation. This may include the use of third-party verification providers. The Client agrees to comply with such procedures whenever required in order to access or use these functionalities.
8.3 Transactional Limits.
Specific functionalities may be subject to minimum and/or maximum transaction limits. These limits are determined by ZEN PAYMENT INC. in line with regulatory obligations, risk management policies, and internal security measures.
8.4 Right to Validate Information.
The Company reserves the right to review, validate, and verify any information provided by the Client at any time. Such checks may be undertaken to ensure compliance with applicable regulations, security standards, and the protection of Client funds.
9.1 General Agreement.
The Client agrees to pay all applicable Fees for Services provided by ZEN PAYMENT INC. (operating under the brand Atorre Pro). These Services may include, but are not limited to, payment transfers, currency conversions, withdrawals, account maintenance, document preparation, and any other Services offered under these Terms.
9.2 Obligation to Review Fees.
Before instructing the Company to execute any Transaction, the Client must review and accept the Fees associated with the requested Service. The Fees schedule specifies all relevant commissions, charges, and applicable interest rates. By using the Services, the Client confirms acceptance of these provisions.
9.3 Currency Exchange.
For Transactions involving foreign exchange, the prevailing spot rate as provided by the Company’s liquidity providers will apply.
9.4 Deduction of Fees.
The Client authorizes ZEN PAYMENT INC. / Atorre Pro to deduct Fees and charges directly from the Client’s Account at any time they become due.
9.5 Introduction of New Services.
The Company may introduce new Services and corresponding charges, which the Client agrees to pay in accordance with these Terms.
9.6 Changes to Fees.
ZEN PAYMENT INC. may amend the Fees unilaterally. Clients will be notified of such changes via email, and continued use of the Services after notification will constitute acceptance of the revised Fees.
9.7 Losses from Unauthorized Actions.
In cases where losses arise from the Client’s unauthorized or unlawful actions, the Company is entitled to deduct the corresponding amounts from the Client’s Account.
9.8 Confirmation of Fee Schedule.
The Client will be provided with a table of applicable Fees upon entering into the agreement. By signing the contract, the Client acknowledges and accepts the Fees as listed in the table, as well as any subsequent updates communicated in accordance with these Terms.
10.1 Provisional Credit.
In certain cases, the Client’s Account may be credited with electronic money before the payment used to purchase such electronic money (including any applicable Fees) has cleared through the Client’s bank, card issuer, or payment service provider. When this occurs, ZEN PAYMENT INC. (operating under the brand Atorre Pro) may submit the pending payment for clearing on a recurring basis until settlement is confirmed.
10.2 Recovery of Funds.
If any payment remains uncleared or insufficient, the Company reserves the right to:
• Debit the outstanding amount directly from the Client’s Account;
• Recover the funds from the Client’s designated financial institution, card association, or payment service provider; or
• Collect the owed amount from the Client through alternative lawful means.
10.3 Client Notification
The Company will provide prior notice to the Client before initiating such recovery actions, unless providing notice would compromise security requirements or would otherwise be prohibited by law. In such cases, notification will be issued as soon as it becomes legally permissible.
11.1 Occurrence of Negative Balance.
A negative balance may arise on the Client’s Account if the amount of available electronic money is insufficient to cover obligations. This can occur, for example, if the Client initiates a chargeback in violation of these Terms, or if the Client is required to repay an unjustified refund of electronic money previously credited by ZEN PAYMENT INC. (operating under the brand Atorre Pro).
11.2 Debt Owed to the Company.
Any negative balance constitutes a debt owed by the Client to the Company. Such debt is immediately payable, and ZEN PAYMENT INC. may demand repayment at any time. Failure to promptly settle a negative balance will be treated as a breach of these Terms.
11.3 Recovery and Enforcement.
The Company reserves the right to send payment reminders and to take reasonable debt collection actions, including but not limited to:
• engaging debt collection agencies;
• appointing legal representatives; or
• initiating legal proceedings. The Client agrees to reimburse ZEN PAYMENT INC. / Atorre Pro for any reasonable fees, costs, or expenses incurred in the course of debt collection or enforcement.
12.1 Prohibited Countries and Territories.
ZEN PAYMENT INC. (operating under the brand Atorre Pro) complies strictly with applicable laws, international sanctions, and its own internal risk policies. As such, the Company does not process payments to or from, or provide Services in, jurisdictions subject to international sanctions or high-risk restrictions. These currently include: Afghanistan, Cuba, Iran, North Korea, Syria, Russian Federation, Belarus, the regions of Ukraine: Crimea, Donetsk, and Luhansk, Myanmar (Burma), Central African Republic, China, Democratic Republic of Congo, Lebanon, Libya, Mali, Nicaragua, Somalia, Sudan, Venezuela, Yemen, and Zimbabwe. This list is not exhaustive and may be updated from time to time in line with legal, regulatory, or policy changes.
12.2 Prohibited Client Activities.
The Company will not provide Services to Clients engaged in restricted activities. Such activities include, but are not limited to:
• Violating these Terms, any applicable law, regulation, or contractual obligation;
• Infringing upon the intellectual property rights of ZEN PAYMENT INC. or third parties (including copyrights, trademarks, and patents);
• Providing false, misleading, or inaccurate information;
• Refusing or failing to provide requested information or documentation;
• Submitting fraudulent or falsified documents;
• Seeking to gain unjust enrichment during a dispute process;
• Using anonymous proxies or other anonymizing technologies;
• Using Services in a manner that could reasonably result in disputes, penalties, fines, or claims;
• Distributing or transmitting viruses, malware, or other harmful software designed to compromise the security or functionality of the Atorre Pro E-Money System.
The Client expressly represents, warrants, and undertakes that:
• Compliance with Laws: The Client’s products and services comply with all applicable laws and regulations in every jurisdiction where such goods or services are offered.
• Licensing and Authorizations: The Client holds all required licenses, permits, and approvals necessary to advertise, promote, and provide its goods and services.
• Legitimacy of Funds: The Client does not send, receive, or otherwise engage in Transactions involving funds derived from illegal, fraudulent, deceptive, or manipulative activities, nor does the Client receive funds from any unlawful source.
• Indemnification: The Client agrees to fully indemnify and hold harmless ZEN PAYMENT INC. (operating under the brand Atorre Pro) from and against any losses, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from the Client’s breach of these Terms or failure to comply with applicable laws.
• Right of Set-Off: The Client acknowledges and accepts that ZEN PAYMENT INC. / Atorre Pro may deduct from the Client’s Account any losses, damages, costs, or expenses incurred as described under these Terms or any separate agreement between the Client and the Company.
14.1 Closure by the Client
The Client may request closure of their Account at any time. Account closure does not result in deletion of data. ZEN PAYMENT INC. (operating under the brand Atorre Pro) will retain records in accordance with its Privacy Policy and applicable legal requirements, typically for a minimum of five (5) years.
14.2 Closure by the Company with Notice
The Company may close the Client’s Account by providing at least ten (10) days’ notice.
14.3 Suspension or Closure without Notice
The Company reserves the right to suspend or permanently close the Client’s Account without prior notice in the following circumstances:
• Unauthorized, fraudulent, or otherwise improper use of the Account;
• Suspicion that login credentials have been compromised;
• Material or repeated breach of these Terms by the Client;
• Permitting unauthorized persons to access the Account;
• Submission of false, misleading, or fraudulent information or documents;
• Reasonable suspicion of unusual or unauthorized activity related to credit/debit cards or bank accounts, including notifications received from the Client’s bank or card issuer;
• Abuse of the chargeback or reversal process with a bank or card issuer;
• Failure to cooperate with investigations or to provide sufficient identity or security verification when requested;
• Transactions resembling or facilitating cash advances;
• Use of the Account for, or involvement in, illegal, fraudulent, or criminal activities (including handling of fraudulent funds or proceeds of crime);
• Activity presenting security, credit, or fraud-related risks to the Company;
• Compliance requirements relating to money laundering or terrorist financing investigations initiated by regulatory or governmental bodies;
• Threatening, abusive, or inappropriate behavior towards Company staff;
• Insolvency, bankruptcy, suspension, or termination of the Client’s business activities;
• Circumstances where maintaining the Account would place ZEN PAYMENT INC. / Atorre Pro in breach of applicable law.
14.4 Inactive Accounts
Accounts that remain inactive for nine (9) consecutive months may be closed by the Company. The Client will be notified at the last known contact details provided. If the Client cannot be reached, available funds will be managed in accordance with the Company’s policies and applicable law.
14.5 Funds on Closure
Upon closure of the Account, the Company will redeem any unrestricted funds held in the Account in accordance with these Terms.
14.6 Regulatory and Legal Reporting
If the Company suspects that the Client is engaged in prohibited or unlawful activity, ZEN PAYMENT INC. / Atorre Pro may notify relevant governmental authorities, financial intelligence units, crime prevention agencies, or other third parties as permitted by its Privacy Policy and applicable law. In such cases, funds in the Account may be frozen or suspended pending investigation.
15.1 Mutual Confidentiality
Both ZEN PAYMENT INC. and the Client undertake not to disclose each other’s confidential information, except where disclosure is required by law, regulation, or competent authorities.
15.2 Use and Sharing of Client Data
By accepting these Terms, the Client consents to certain data (such as email address or phone number) being processed by the Company and, where necessary, shared with other Clients of the Atorre Pro E-Money System for the purpose of enabling Transactions.
15.3 Legal and Regulatory Disclosures
The Company may disclose Client information to regulators, law enforcement authorities, financial institutions, or counterparties without prior notice where such disclosure is legally required or necessary for the provision of Services.
15.4 Privacy Policy and Cross-Border Transfers
The Client acknowledges and agrees to the Company’s Privacy Policy, including the possibility that personal data may be transferred outside Canada and/or the European Economic Area (EEA), subject to applicable data protection requirements.
15.5 Role of the Parties as Data Controllers
Both the Client and ZEN PAYMENT INC. / Atorre Pro act independently as data controllers for personal information they process in connection with their respective activities. Each party is responsible for ensuring compliance with applicable data protection laws, maintaining records of processing, and implementing appropriate security measures.
15.6 Monitoring and Recording
The Client acknowledges that communications with the Company (including telephone calls) may be monitored or recorded for quality assurance, security, and compliance purposes.
15.7 Data Retention
The Company may retain Client information following Account closure for fraud prevention, security purposes, and as required under applicable law.
15.8 Information Sharing for Validation
For the purpose of identity verification and transaction security, the Company may share certain Client information with other regulated entities or service providers involved in the processing of electronic money transfers.
15.9 Applicable Data Protection Laws
ZEN PAYMENT INC. / Atorre Pro processes personal data in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws. By using the Services, the Client consents to such processing and undertakes to obtain any required consents from their own customers or related parties where applicable.
16.1 Cumulative Remedies
The rights and remedies set out in these Terms are cumulative and operate in addition to, and not in substitution for, any rights or remedies available under applicable law.
16.2 No Waiver by Conduct
Any delay, omission, or partial exercise by ZEN PAYMENT INC. (operating under the brand Atorre Pro) of a right, power, or remedy provided under these Terms or by law shall not prevent further exercise of that right or constitute a waiver of it.
16.3 Limited Effect of Waiver
A waiver of any breach or default, whether in whole or in part, shall not be deemed a waiver of any subsequent breach. Nor shall it permit the continuance of the same or similar breach unless expressly confirmed in writing by the waiving party.
17.1 Indemnification
The Client agrees to indemnify and hold harmless ZEN PAYMENT INC. (operating under the brand Atorre Pro), its affiliates, officers, employees, and representatives against any losses, taxes, costs, expenses, or liabilities (including reasonable legal fees) arising from:
• any breach of these Terms by the Client; or
• any unlawful or fraudulent activity carried out by the Client through the use of the Services.
17.2 Scope of Services and Warranties
The Company provides Services in accordance with statutory rights and obligations. Except as expressly stated in these Terms, no warranty, whether express or implied, is given. The Company has no control over the goods or services purchased by Clients using its Services and does not guarantee the completion of transactions, nor does it warrant the conduct or authorization of merchants or counterparties.
17.3 Service Interruptions and Accuracy of Information.
The Client acknowledges that access to the Website or Services may occasionally be restricted due to maintenance, system updates, or the introduction of new features. Although ZEN PAYMENT INC. / Atorre Pro takes reasonable care to ensure accuracy in communications, reports, Website content, and information provided by its staff, accuracy cannot be guaranteed in all cases. Clients must not rely solely on such information and must promptly notify the Company if they identify any discrepancies with their instructions.
17.4 Limitations of Liability.
The Company shall not be liable for any service disruption or impairment caused by circumstances beyond its reasonable control, including failures of intermediary service providers. To the maximum extent permitted by law, the Company is not liable for indirect or consequential damages, including but not limited to loss of profits, business, contracts, goodwill, or reputation, nor for losses arising from compliance with legal or regulatory obligations. The Company’s responsibility is limited strictly to the provision of electronic money services and/or payment accounts and does not extend to the quality, safety, legality, or delivery of goods or services purchased by Clients.
17.5 Taxes and Duties.
The Client is solely responsible for the assessment, reporting, and payment of all taxes, duties, or charges arising from commercial transactions. ZEN PAYMENT INC. / Atorre Pro accepts no liability in this regard.
17.6 Continuing Obligations.
The Client agrees to defend, reimburse, or compensate the Company for claims, costs, or expenses incurred due to the Client’s or its agents’ breach of these Terms, applicable laws, or misuse of Services. This obligation continues even after the termination of the Client’s Account or business relationship with the Company.
17.7 Liability Carve-Outs.
Nothing in these Terms shall exclude or limit the Company’s liability for:
• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• gross negligence or willful misconduct; or
• any liability which cannot be excluded under applicable law.
18.1 Good Faith Resolution.
The Client and ZEN PAYMENT INC. (Atorre Pro) agree to resolve any disputes amicably, constructively, and in good faith. The Client acknowledges that threats, coercion, or blackmail against the Company are strictly prohibited and may result in the immediate termination of business relations and cessation of negotiations.
18.2 Governing Law.
These Terms, and all rights and obligations of the Parties under them, shall be governed by and construed in accordance with the laws of British Columbia, Canada.
18.3 Complaints Procedure.
Any complaint regarding the Services provided under these Terms must first be submitted directly to the Company for review. The Parties shall make reasonable efforts to resolve the matter through internal handling and negotiations.
18.4 Jurisdiction.
If a dispute cannot be resolved through negotiations, it shall be submitted exclusively to the competent courts of British Columbia, Canada. The Parties irrevocably submit to the jurisdiction of these courts.
18.5 Compliance with Legal and Regulatory Rules.
In carrying out obligations under these Terms, both the Client and the Company must comply with all applicable laws, regulations, and the rules of international payment systems (including, but not limited to, Visa Europe and Mastercard Worldwide).
19.1 General Rule.
Neither Party may assign, transfer, or otherwise dispose of its rights, obligations, benefits, or interests under these Terms to any third party without the prior written consent of the other Party. Such consent shall not be unreasonably withheld.
19.2 Assignment by the Company.
Notwithstanding the above, ZEN PAYMENT INC. (operating under the brand Atorre Pro) reserves the right to assign or transfer these Terms, in whole or in part, to its parent company, subsidiaries, or affiliated entities, as well as in connection with a merger, reorganization, recapitalization, or the sale of all or a substantial portion of its shares, business, or assets. Such transfer shall not require the Client’s prior consent.
19.3 Invalid Assignments.
Any attempted assignment or transfer of these Terms in violation of this Section shall be considered null and void.
19.4 Binding Effect.
These Terms shall remain binding and enforceable upon the Parties and shall extend to their respective successors and permitted assigns.
20.1 Definition.
Neither Party shall be held liable for any failure or delay in performing its obligations under these Terms if such failure or delay results from an event of force majeure—that is, an event or circumstance beyond the reasonable control of the affected Party.
20.2 Examples of Force Majeure Events.
Force majeure events include, but are not limited to:
• acts of God, natural disasters, or extreme weather conditions;
• war, armed conflict, terrorism, or similar hostilities;
• civil unrest, riots, blockades, or embargoes;
• sabotage, strikes, lockouts, or significant labor shortages;
• breakdown of machinery or infrastructure caused by force majeure;
• failures or delays of suppliers, subcontractors, or service providers due to force majeure;
• governmental actions, sanctions, or restrictions;
• or any other event beyond the reasonable control of the affected Party.
20.3 Consequences.
In the event of force majeure, the affected Party’s obligations shall be suspended for the duration of the force majeure event. Such suspension shall not constitute a breach of these Terms.
20.4 Duty to Mitigate.
The affected Party shall make all reasonable efforts to mitigate the effects of the force majeure event and to resume performance of its obligations as soon as reasonably possible.
21.1 Form of Notice.
All notices, requests, or other communications between the Parties under these Terms shall be made in writing.
21.2 Delivery of Notices.
Notices shall be delivered to the address specified in these Terms or, in the case of the Client, to the address or contact details provided in their Account application, unless either Party notifies the other in writing of an alternative address for such purposes.
21.3 Exceptions.
Where these Terms expressly provide for a different method of notice (e.g., electronic communications via email or within the E-Money System), such method shall prevail.
22.1 License Grant.
When using any software provided by ZEN PAYMENT INC. — including but not limited to APIs, reporting systems, software development kits, or applications downloaded to a computer, device, or other platform—the Company and its licensors grant the Client a limited, non-exclusive, non-transferable license to use such software strictly in accordance with the accompanying documentation. This license includes updates, upgrades, new versions, and replacement software, where provided.
22.2 Restrictions on Use.
The license is granted solely for the Client’s personal or internal business use. The Client may not rent, lease, sublicense, or otherwise transfer rights in the software to any third party. The Client must follow all implementation and usage requirements contained in the documentation or as communicated by the Company from time to time, including requirements imposed to comply with applicable laws, card scheme rules, and other regulatory obligations.
22.3 Liability for Misuse.
If the Client fails to comply with the instructions or implementation requirements provided by the Company, the Client shall be liable for all resulting damages or losses suffered by the Client, the Company, or any third party.
22.4 Prohibited Acts.
The Client may not modify, alter, reproduce, adapt, distribute, display, publish, reverse engineer, decompile, translate, or attempt to derive the source code of any Company software.
22.5 Ownership.
All rights, title, and interest in and to the software remain the sole property of ZEN PAYMENT INC. / Atorre Pro and its licensors.
22.6 Third-Party Software.
Any third-party software accessible through the Company’s Website or Services shall be subject to the license terms agreed upon between the Client and the relevant third-party provider.
23.1 Right to Amend.
ZEN PAYMENT INC. (operating under the brand Atorre Pro) reserves the right to amend, supplement, or otherwise modify these Terms at any time. Notice of such changes may be provided by email, posted on the Company’s Website, or displayed when the Client accesses their Account.
23.2 Effective Date of Changes.
Unless otherwise specified in the notice, amendments shall take effect on the date indicated therein. If the Client objects to the amendments, they must notify the Company within thirty (30) calendar days from the date of notification. Such objection shall be treated as a request to terminate the agreement and close the Client’s Account in accordance with these Terms.
23.3 Validity of Website Notifications.
Publication of amendments on the Company’s Website shall be deemed valid notification to the Client. The Client undertakes to review the Website and/or their online Account reporting regularly in order to stay informed about such updates.