Cookies Policy

1. General Provisions

1.1. This Cookies Policy (the "Policy") explains how REMITTIX GLOBAL CORPORATION (the "Company," "We," "Us," or "Our") uses cookies and similar tracking technologies on the website https://aexchanger.com/ (the "Website" or "Service").

1.2. The Company is a corporation duly incorporated under the laws of the Province of British Columbia, Canada, Registration Number BC1545532, with a registered office at 422 RICHARDS STREET, VANCOUVER, BC V6B 2Z4, CANADA, holding Money Services Business (MSB) License No. C10001725.

1.3. This Policy forms an integral part of the Privacy Rules and should be read together with the Privacy Rules and the Client Agreement. Defined terms used in this Policy have the same meaning as in the Privacy Rules unless otherwise defined herein.

1.4. This Policy is governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) (Canada), the Personal Information Protection Act (PIPA) of British Columbia, and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its regulations, to the extent applicable.

1.5. By using the Website, the Client acknowledges and agrees to the use of cookies and similar technologies as described in this Policy.

2. Definitions

2.1. Cookies: Small text files stored on the Client’s device by the Website to enhance functionality, remember preferences, and collect usage information.

2.2. Essential (Strictly Necessary) Cookies: Cookies required for the basic operation and security of the Website. These cookies cannot be disabled and do not require consent.

2.3. Functional Cookies: Cookies that enable the Website to remember the Client’s choices and preferences to provide enhanced, personalized features.

2.4. Analytics Cookies: Cookies that collect aggregated, anonymized information about how Clients use the Website, including which pages are visited most often and whether users receive error messages. These help the Company improve the Website’s performance and user experience.

2.5. Marketing Cookies: Cookies used to track the Client’s browsing habits across websites to deliver advertisements that are more relevant to the Client’s interests. These cookies may be set by third-party advertising partners. Marketing cookies are not deployed for visitors from the European Union or the European Economic Area. See Section 4.3.

2.6. Session Cookies: Temporary cookies that expire when the Client closes their browser.

2.7. Persistent Cookies: Cookies that remain on the Client’s device for a set period or until manually deleted.

2.8. First-Party Cookies: Cookies set by the Website itself.

2.9. Third-Party Cookies: Cookies set by a domain other than the Website, such as analytics or advertising service providers.

2.10. Consent: The Client’s freely given, specific, informed, and unambiguous indication of their agreement to the processing of their personal information through non-essential cookies, provided through the cookie preference banner.

3. Legal Framework and Consent

3.1. In accordance with PIPEDA and BC PIPA, the Company obtains the Client’s informed consent before placing non-essential cookies (analytics and marketing cookies) on the Client’s device.

3.2. Essential (strictly necessary) cookies are exempt from consent requirements as they are required for the basic functioning and security of the Website.

3.3. Upon the Client’s first visit to the Website, a cookie preference banner is presented that allows the Client to:

• Accept all categories of cookies;
• Select specific categories of cookies to accept;
• Decline all non-essential cookies.

3.4. The Client’s consent choices are stored and respected in accordance with PIPEDA’s meaningful consent requirements. The Client may change their preferences at any time through the cookie settings panel available on the Website.

3.5. Where the Company relies on consent as the legal basis for processing personal information collected through cookies, the Client may withdraw their consent at any time by adjusting their cookie preferences or browser settings. Withdrawal of consent does not affect the lawfulness of processing based on consent given prior to its withdrawal.

3.6. The Company retains a record of the Client’s consent choices for audit and compliance purposes.

4. Categories of Cookies Used

4.1. The Website uses the following categories of cookies:

4.1.1. Essential (Strictly Necessary) Cookies

These cookies are necessary for the Website to function properly and cannot be disabled. They are typically set in response to actions made by the Client, such as logging in, filling in forms, or setting privacy preferences.

4.1.2. Analytics Cookies

These cookies allow the Company to count visits, track traffic sources, and measure how Clients interact with the Website. The information collected is aggregated and anonymized.

Google Analytics: The Company uses Google Analytics to collect anonymized data about how Clients interact with the Website, including pages visited, time spent on pages, and referring websites. Google Analytics uses its own cookies as listed above. Information collected by Google Analytics is transmitted to and stored by Google LLC on servers in the United States. For visitors from the EU/EEA, Google Analytics is configured to anonymize IP addresses and the data collected is not used for personalized marketing, retargeting, or advertising directed at EU/EEA persons. The Client may opt out of Google Analytics by installing the browser add-on available at: https://tools.google.com/dlpage/gaoptout.

ContentSquare: The Company uses ContentSquare to analyze aggregated user behavior and improve the Website experience. ContentSquare collects anonymized data about how users navigate and interact with the Website. For visitors from the EU/EEA, ContentSquare analytics data is collected in aggregated form only and is not used for personalized marketing, profiling, or retargeting. For more information about ContentSquare's privacy practices, visit: https://contentsquare.com/privacy-policy/.

4.1.3. Marketing Cookies

These cookies may be set through the Website by advertising partners to build a profile of the Client's interests and show relevant advertisements on other websites. They do not store directly identifying personal information but are based on uniquely identifying the Client's browser and device.

Important: Marketing cookies, including those described below, are not deployed for Website visitors whose IP address or declared country of residence indicates they are located in the European Union or the European Economic Area ("EU/EEA"). The Company does not conduct retargeting, remarketing, personalized advertising, or behavioural profiling directed at EU/EEA persons.

Facebook Pixel: The Website uses Facebook Pixel to measure the effectiveness of advertisements, optimize ad delivery, and build remarketing audiences for users located outside the EU/EEA only. Facebook Pixel is not activated for visitors from EU/EEA jurisdictions. For more information about how Facebook processes data, visit: https://www.facebook.com/privacy/policy/.

TikTok Pixel: The Website uses TikTok's tracking pixel to measure advertisement performance and optimize ad campaigns on TikTok for users located outside the EU/EEA only. TikTok Pixel is not activated for visitors from EU/EEA jurisdictions. For more information about TikTok's privacy practices, visit: https://www.tiktok.com/legal/privacy-policy.

4.1.4. Functional Cookies

These cookies enable the Website to provide enhanced functionality and personalization. They may be set by the Company or by third-party providers whose services have been added to the Website.

4.2. The Company does not currently deploy functional cookies beyond those used for essential purposes. Should functional cookies be added in the future, this Policy will be updated accordingly and, where applicable, the Client’s consent will be obtained.

4.3. Treatment of Cookies for EU/EEA Visitors

The Company does not actively market or direct its Services at persons located or established in the European Union or the European Economic Area. Accordingly:

(a) Marketing cookies (including Facebook Pixel and TikTok Pixel) are not deployed for visitors whose IP address or declared location indicates they are in the EU/EEA;

(b) Retargeting, remarketing, real-time bidding, lookalike audience creation, and personalized advertising are not conducted in relation to EU/EEA visitors;

(c) Behavioural analytics (including ContentSquare session recording or heatmapping) are limited to aggregated and anonymized technical data only for EU/EEA visitors and are not used for commercial profiling;

(d) Only essential cookies and limited anonymized analytics cookies are deployed for EU/EEA visitors.

EU/EEA visitors who access the Website at their own initiative are subject to these restricted cookie settings automatically. The cookie preference banner presented to EU/EEA visitors will not offer marketing cookie categories.

5. Cookie Preference Management

5.1. Upon the Client’s first visit to the Website, a cookie preference banner is displayed. The banner allows the Client to:

• Accept all cookies;
• Customize their preferences by selecting specific categories;
• Reject all non-essential cookies (only essential cookies will be deployed).

5.2. The Client may review and change their cookie preferences at any time by clicking the “Cookie Settings” or “Manage Cookies” link available in the Website footer.

5.3. The Client may also control and disable cookies through their web browser settings. Most browsers allow the Client to:

• View and delete cookies;
• Block cookies from specific websites;
• Block all cookies;
• Set browser preferences to clear cookies upon closing the browser.

5.4. Please note that disabling essential cookies may affect the functionality and security of the Website and may prevent the Client from accessing certain features or completing transactions.

5.5. Instructions on how to manage cookies through common browsers can be found at the following links:

• Google Chrome: https://support.google.com/chrome/answer/95647
• Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
• Apple Safari: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
• Microsoft Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge

5.6. To opt out of being tracked by Google Analytics across all websites, the Client may install the Google Analytics opt-out browser add-on: https://tools.google.com/dlpage/gaoptout.

6. Other Tracking Technologies

6.1. In addition to cookies, the Website may use other similar tracking technologies, including:

6.1.1. Web Beacons (Pixel Tags): Small graphic images (also known as “clear GIFs” or “web beacons”) that may be used in emails or on web pages to track user engagement, measure campaign effectiveness, and understand user behavior.

6.1.2. Local Storage: HTML5 local storage and session storage may be used to store data locally on the Client’s device for performance optimization and user preference management.

6.1.3. Log Files: The Website automatically collects certain technical information in server log files, including IP addresses, browser types, operating systems, referring/exit pages, and date/time stamps. This information is used for security, fraud prevention, and service improvement purposes.

6.2. Third-party service providers (including Allpass.ai for KYC verification and Guardarian for payment processing) may use their own cookies and tracking technologies in connection with their services. The use of such technologies is governed by the privacy policies of those providers:

• Allpass.ai: https://allpass.ai/privacy-policy
• Guardarian: https://guardarian.com/privacy-policy

7. Retention Period

7.1. Cookies placed on the Client’s device have varying expiration periods as specified in Section 4 above. Session cookies expire when the Client closes their browser. Persistent cookies remain on the device until their expiration date or until manually deleted by the Client.

7.2. The Company retains records of the Client’s cookie consent choices for a period of five (5) years to comply with regulatory record-keeping requirements, including those under the PCMLTFA.

7.3. Anonymized analytics data may be retained for longer periods for internal reporting and trend analysis purposes. This data does not identify individual Clients.

8. International Transfers

8.1. Personal information collected through cookies may be transferred to, stored, or processed in jurisdictions outside of Canada, including:

• United States: Google Analytics (Google LLC) and Facebook (Meta Platforms Inc.);
• Singapore, United States, and other jurisdictions: TikTok;
• Czech Republic and other EU member states: ContentSquare and Guardarian (FinSeven CZ s.r.o.) for payment processing. Analytics data processed in the EU is subject to applicable EU data protection requirements as applied to those processors.

8.2. Where personal information is transferred outside Canada, the Company ensures that appropriate contractual and technical safeguards are in place to provide a comparable level of protection as required under PIPEDA and BC PIPA.

8.3. The Client acknowledges that personal information transferred to jurisdictions outside Canada may be subject to the laws of those jurisdictions, which may permit access by foreign government authorities or law enforcement under certain conditions.

9. Client Rights

9.1. Under PIPEDA and BC PIPA, the Client has the right to:

• Access personal information collected through cookies and similar technologies;
• Request correction of inaccurate personal information;
• Withdraw consent for the collection and use of personal information through non-essential cookies;
• Request information about the Company’s cookie-related data handling practices.

9.2. To exercise these rights, the Client may contact the Company’s Privacy Officer as set out in Section 11 below.

9.3. The Client has the right to file a complaint regarding the Company’s use of cookies with:

• Office of the Privacy Commissioner of Canada (OPC): 30 Victoria Street, Gatineau, QC K1A 1H3; Tel: 1-800-282-1376; Website: https://www.priv.gc.ca
• Office of the Information and Privacy Commissioner for British Columbia (OIPC BC): PO Box 9038, Stn Prov Govt, Victoria, BC V8W 9A4; Tel: 1-800-663-7867; Website: https://www.oipc.bc.ca

10. Changes to This Policy

10.1. The Company reserves the right to amend this Policy at any time. The current version of this Policy is always available on the Website.

10.2. In the event of material changes to this Policy, the Company will notify Clients by:

• Sending an email notification to the email address associated with the Client’s account; and/or
• Posting a prominent notice on the Website.

Such notification will be provided no less than fourteen (14) calendar days before the changes take effect.

10.3. Material changes that affect the processing of personal information collected through non-essential cookies will require the Client’s active re-consent through the cookie preference banner.

10.4. Continued use of the Website after the effective date of the changes constitutes acceptance of the amended Policy for changes that do not materially affect the Client’s rights or the types of cookies used. For material changes affecting non-essential cookies, the Client’s active consent will be obtained as described in Clause 10.3.

11. Contact Information

11.1. If the Client has any questions, concerns, or requests regarding this Policy or the use of cookies on the Website, they may contact the Company’s Privacy Officer:

Privacy Officer REMITTIX GLOBAL CORPORATION 422 RICHARDS STREET VANCOUVER, BC V6B 2Z4 CANADA, Email: [email protected] Support Email: [email protected]

11.2. The Company will acknowledge receipt of any inquiry or complaint within five (5) business days and will respond fully within thirty (30) calendar days, or as otherwise required by applicable privacy legislation.

12. Governing Law

12.1. This Policy and any matters relating to the use of cookies and similar technologies on the Website are governed exclusively by the laws of Canada and the Province of British Columbia.

12.2. Any dispute arising out of or in connection with this Policy shall first be addressed through the Company’s complaint resolution procedures. Where a resolution cannot be reached, the Client may file a complaint with the OPC or OIPC BC, as set out in Clause 9.3 above.