Electronic Communications and Electronic Signatures Policy

1. Your consent to electronic communications

1.1 By creating a Paxtra account or using the Platform, you agree that Paxtra Inc. may give you notices, agreements, disclosures and other communications in electronic form, and that they satisfy any legal requirement that they be in writing, as far as the law allows.

1.2 We may send communications by email, by in-app notice, and by SMS for security and verification, where those services are in use. We may also post notices on the Platform. A notice sent to the contact details on your account is treated as delivered when sent.

1.3 These communications may include account notices, transaction and payment updates, dispute notices, security alerts, verification codes, changes to our Terms and policies, and legal notices.

2. Keeping your details current

You must keep your email address and phone number up to date. We are not responsible for notices you do not receive because your details were out of date, or because email or SMS delivery failed for reasons outside our control.

3. What you need

To receive electronic communications you need a device with internet access, a current web browser, an email account you can access, and, for SMS, a mobile phone that can receive text messages.

4. Marketing is separate

Marketing messages are sent only with your consent, or where Canadian law (including Canada’s Anti-Spam Legislation) otherwise permits. You can unsubscribe from marketing at any time without closing your account. See the Privacy Policy.

5. Withdrawing consent and paper copies

5.1 To withdraw your consent to electronic communications, or to ask for a paper copy of a notice, email support@usepaxtra.com.

5.2 Some communications are essential to run your account, such as security alerts, verification codes and payment notices. If you withdraw your consent to essential electronic communications, we may not be able to continue providing your account.

5.3 Withdrawing from optional marketing does not require you to close your account.

6. Electronic acceptance and signatures

6.1 You may accept our Terms, policies, transactions and other agreements electronically, for example by ticking a box, clicking a confirmation button, accepting the Terms, or confirming an individual transaction.

6.2 These electronic acts have the same effect as a handwritten signature, as far as the law allows. We keep electronic records of them, including the version accepted, the date and time, and technical information about the device.

6.3 Paxtra does not currently use a separate electronic-signature service.

7. Records

We may keep records of transaction-related acceptance for seven years where applicable legal, financial or regulatory requirements justify it. Other consent records are kept as set out in the Privacy Policy.