Terms and Conditions

VirtuaBroker Corp.

Effective Date: January 1, 2026

Last Updated: January 1, 2026

Welcome to VirtuaBroker (“VB”, “VirtuaBroker”, “Company”, “we”, “our”, or “us”). These Terms and Conditions (“Terms”) govern your access to and use of the VirtuaBroker website, platform, products, and services available through www.virtuabroker.ca (the “Platform”).

By accessing or using our services, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use of the Platform immediately.

VirtuaBroker Corp. is a registered Money Services Business (MSB) regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number C100001081.

1. Definitions

For purposes of these Terms:

Account means a registered user account on the Platform.

Client, User, or You means any individual or entity using VirtuaBroker services.

Virtual Currency means digital representations of value including cryptocurrencies and stablecoins.

Services means all products and services offered by VirtuaBroker, including but not limited to foreign exchange, money transferring, PSP services, virtual currency transactions, and related financial technology services.

2. Eligibility

To use our Services, you must:

Be at least 18 years old;

Have full legal capacity;

Not reside in a sanctioned or prohibited jurisdiction;

Comply with all applicable laws and regulations;

Successfully complete our identity verification procedures.

We reserve the right to refuse service to any person or entity at our sole discretion.

3. Regulatory Compliance

VirtuaBroker operates in compliance with applicable Canadian anti-money laundering (“AML”) and counter-terrorist financing (“CTF”) regulations.

By using our Services, you agree that:

You may be required to provide identity verification documents;

Transactions may be monitored for compliance purposes;

We may report suspicious activities to regulatory authorities where required by law;

We may suspend or terminate accounts pending compliance review.

Failure to provide requested information may result in delays, restrictions, or account termination.

4. Account Registration

You agree to provide accurate, complete, and current information during registration and throughout your use of the Services.

You are responsible for:

Maintaining the confidentiality of your credentials;

All activities conducted through your account;

Immediately notifying us of unauthorized access or security breaches.

VirtuaBroker is not liable for losses resulting from compromised credentials caused by your negligence.

5. Services Offered

VirtuaBroker may provide the following services:

Foreign exchange transactions;

International money transfers;

Payment service provider (PSP) services;

Virtual currency purchase, sale, and conversion;

Payment integrations;

Business payment solutions;

OTC and liquidity services.

Certain services may not be available in all jurisdictions.

We reserve the right to modify, suspend, or discontinue any Service at any time without prior notice.

6. Risk Disclosure

Virtual currencies and financial transactions involve significant risk.

You acknowledge and accept that:

Cryptocurrency prices are highly volatile;

Transactions may be irreversible;

Regulatory frameworks may change;

Technical failures, cyberattacks, or blockchain disruptions may occur;

Past performance does not guarantee future results.

You are solely responsible for evaluating the suitability of any transaction or investment.

VirtuaBroker does not provide financial, legal, tax, or investment advice.

7. Transaction Limits and Fees

Exchange rates, fees, processing times, and transaction limits are subject to change at any time.

Before completing a transaction, you may be shown:

Applicable fees;

Estimated exchange rates;

Transaction limits;

Processing estimates.

VirtuaBroker reserves the right to refuse or delay transactions for compliance, fraud prevention, liquidity, or operational reasons.

8. Prohibited Activities

You agree not to use the Platform for:

Money laundering or terrorist financing;

Fraudulent or deceptive activities;

Unauthorized access attempts;

Illegal gambling;

Sanctions evasion;

Market manipulation;

Intellectual property infringement;

Distribution of malware or harmful code;

Activities violating applicable laws, regulations or partner’s operational policies.

VirtuaBroker may investigate suspected violations and cooperate with law enforcement authorities.

9. Suspensions and Termination

We reserve the right to suspend, restrict, or terminate your access to the Platform without prior notice if:

You violate these Terms;

We suspect fraudulent or unlawful activity;

Required compliance information is not provided;

Your activity exposes VirtuaBroker to regulatory or reputational risk.

Termination does not eliminate outstanding obligations or liabilities.

10. Third-Party Services

Our Platform may integrate third-party providers including banking institutions, liquidity providers, blockchain networks, payment processors, or external applications.

VirtuaBroker is not responsible for:

Third-party outages;

Blockchain network failures;

Delays caused by banking partners;

Third-party terms or policies.

Your use of third-party services may also be governed by separate agreements.

11. Intellectual Property

All Platform content including logos, branding, software, graphics, text, and technology are the exclusive property of VirtuaBroker Corp. or its licensors.

You may not:

Copy;

Modify;

Distribute;

Reverse engineer;

Exploit;

Republish

any portion of the Platform without prior written consent.

12. Privacy

Your use of the Platform is also governed by our Privacy Policy.

By using our Services, you consent to the collection, processing, and storage of your information in accordance with applicable privacy laws.

13. Disclaimer of Warranties

The Services are provided on an “AS IS” and “AS AVAILABLE” basis.

VirtuaBroker makes no warranties regarding:

Availability;

Accuracy;

Reliability;

Fitness for a particular purpose;

Continuous or uninterrupted operation.

We do not guarantee that the Platform will be error-free or free from security vulnerabilities.

14. Limitation of Liability

To the fullest extent permitted by law, VirtuaBroker Corp., its affiliates, directors, employees, and partners shall not be liable for:

Indirect or consequential damages;

Loss of profits or revenue;

Trading losses;

Data loss;

Delays or service interruptions;

Blockchain network failures;

Unauthorized account access.

Our total liability shall not exceed the fees paid by you to VirtuaBroker during the twelve (12) months preceding the claim.

15. Indemnification

You agree to indemnify and hold harmless VirtuaBroker Corp. from any claims, damages, liabilities, costs, or expenses arising from:

Your misuse of the Services;

Violation of these Terms;

Violation of applicable laws;

Third-party claims related to your activities.

16. Force Majeure

VirtuaBroker shall not be liable for delays or failures caused by circumstances beyond our reasonable control, including:

Natural disasters;

Government actions;

Cyberattacks;

Internet failures;

Banking disruptions;

Blockchain congestion;

Power outages;

War or civil unrest.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia and applicable Canadian federal laws.

Any disputes shall be subject to the exclusive jurisdiction of the courts located in British Columbia, Canada.

18. Changes to These Terms

We may update these Terms at any time.

Updated versions will be posted on the Platform with a revised effective date. Continued use of the Services constitutes acceptance of the updated Terms.

19. Contact Information

VirtuaBroker Corp.

Pedro I Pons 9-11

Barcelona, Spain 08034

Website: www.virtuabroker.ca

20. Regulatory Disclosure

VirtuaBroker Corp. is registered as a Money Services Business (MSB) with FINTRAC under registration number C100001081 with authorized activities including:

Foreign Exchange

Money Transferring

Issuing and Redeeming Money Orders

Virtual Currency Services

Payment Service Provider (PSP) Services

VirtuaBroker Corp. is not a bank. Funds may be held with licensed banking and payment partners. Exchange rates, fees, and transaction limits may vary based on compliance reviews, transaction profile, and risk assessments..