Terms of Service

1. Definitions

"Trivio" — Trivio Technologies Inc., a corporation incorporated under the laws of Quebec (NEQ 1181556482), registered as a Money Services Business with FINTRAC (MSB N300000695), operating the charitable giving platform at trivio.tech.

"Platform" — The Trivio website (trivio.tech), mobile application, and all associated digital services and infrastructure.

"Donor" — An individual or corporation who creates a Trivio account and makes one or more charitable donations through the Platform.

"Charity Partner" — A CRA-registered charity that has completed Trivio's onboarding process and is listed on the Platform to receive charitable donations from Donors.

"Donation" — A voluntary, unconditional gift of money from a Donor to a Charity Partner, processed through the Platform via Stripe Connect, for which an official CRA donation receipt is issued.

"Tip" — An optional, separate payment made by a Donor to Trivio Technologies Inc. to support the operation of the Platform. Tips are not donations to a charity and are not receipted as charitable contributions. Tips are processed as a separate Stripe charge, distinct from the Donation charge.

"Stripe" — Stripe Payments Canada, Ltd. (FINTRAC MSB M22204455). Trivio does not process or store payment card data directly.

"Receipt" — An official CRA-compliant donation receipt issued by Trivio Technologies Inc. as authorized fundraising agent of the Charity Partner, pursuant to the Income Tax Act (Canada) and IT Regulations ss. 3501(1) and 3502.

"AML/KYC" — Anti-Money Laundering and Know Your Customer compliance obligations under the PCMLTFA and Trivio's AML/KYC Compliance Program.

"FINTRAC" — The Financial Transactions and Reports Analysis Centre of Canada.

"PCMLTFA" — The Proceeds of Crime (Money Laundering) and Terrorist Financing Act, S.C. 2000, c. 17.

"CASL" — Canada's Anti-Spam Legislation, S.C. 2010, c. 23.

"Law 25" — Quebec's Act respecting the protection of personal information in the private sector (RLRQ c P-39.1).

"CRA" — The Canada Revenue Agency.

"Terms" — These Terms of Service, as amended per Section 19.

"User" — Any person accessing or using the Platform, including Donors and Charity Partners.

"Content" — Any text, images, data, descriptions, impact reports, or other material submitted to or published on the Platform by any User.

2. About Trivio and the Platform

2.1 What Trivio Is — Trivio Technologies Inc. is a charitable giving fintech platform that connects Canadian donors with CRA-registered charities. Trivio facilitates charitable donations and issues official CRA-compliant tax receipts as authorized fundraising agent on behalf of its Charity Partners.

2.2 What Trivio Is NOT — Trivio is not a registered charity, a qualified donee, or a not-for-profit. Trivio is a technology company operating a for-profit financial platform. Trivio's receipting authority derives solely from its Receipting Agency Agreements with Charity Partners.

2.3 FINTRAC Registration — Trivio is registered with FINTRAC as a Money Services Business providing crowdfunding platform services and funds transmission services (MSB N300000695, effective June 8, 2026). Subject to the PCMLTFA — identity verification, transaction monitoring, regulatory reporting.

2.4 The Two-Charge Model — Every interaction involves two separate transactions: (a) Donation Charge — Stripe routes 100% of the donation to the Charity Partner's verified Stripe Connect account; Trivio never holds/commingles donated funds. (b) Tip Charge (Optional) — a separate, clearly disclosed Stripe charge from the Donor to Trivio; voluntary; may be set to zero or declined; not a charitable donation and not receipted.

3. Eligibility and Account Registration

3.1 Eligibility — must: be at least 18 years of age; be a Canadian resident (individuals) or a corporation incorporated in Canada (corporate donors); provide accurate identity info per AML/KYC; not be on the OSFI/UN/other sanctions lists; not be subject to sanctions prohibiting charitable donations; agree to these Terms. By creating an account you represent and warrant you meet all eligibility requirements.

3.2 Account Registration and KYC — create an account by providing: your full legal name (including middle initial for individuals); a valid email address, verified via a confirmation link before account activation; a declaration confirming you are not a Politically Exposed Person (PEP). FINTRAC notice: identity verified per PCMLTFA; donations ≥ CAD $10,000 trigger enhanced due diligence (photo ID + source of funds); info may be disclosed to FINTRAC.

3.3 Account Security — strong unique password; don't share credentials; notify info@trivio.tech of unauthorized access.

3.4 One Account Per Person — one account per individual; multiple accounts to circumvent AML/KYC/limits are prohibited.

4. Making Donations

4.1 Eligible Donations — voluntary + unconditional (no benefit in exchange); in CAD; to an Active-CRA Charity Partner; by the true donor; PCMLTFA-compliant.

4.2 Processing — Stripe charges the donation; routes 100% to the Charity Partner; Trivio receives a webhook confirmation; generates + emails the CRA receipt to your registered email; dashboard updated.

4.3 Minimum / Maximum — minimum CAD $1; no maximum, but ≥ $5,000 flagged for monitoring, ≥ $10,000 triggers EDD before processing; source-of-funds may be requested.

4.4 No Refunds on Completed Donations — final + non-refundable once confirmed by Stripe. Exceptions (contact info@trivio.tech): technical error (within 5 business days), duplicate charge, unauthorized charge. No refunds based on dissatisfaction with a Charity Partner.

4.5 Optional Donor Tips — presented before payment, labelled as a tip to Trivio (not the charity), default amount displayed; adjustable to any amount incl. zero; separate Stripe charge/ID; not receiptable.

4.6 Donor Responsibility — ensure donations comply with law; Trivio gives no tax/legal/financial advice.

5. Official Donation Receipts

5.1 Issuance — CRA-compliant receipts in the Charity Partner's name, as authorized fundraising agent (Receipting Agency Agreement), containing all elements per IT Reg ss. 3501(1)/3502: charity legal name + registered address; CRA registration number; unique serial (TRV-YYYY-NNNNNN); donation date (Stripe confirm date); donor full legal name + address; eligible amount; "No advantage was received by the donor"; place of issue Montreal, QC, Canada.

5.2 Delivery — electronically to your registered email within 60 seconds of Stripe confirmation; PDF attachments; retain for tax purposes.

5.3 Errors — report within 30 days to info@trivio.tech; corrected receipt if confirmed.

5.4 Tips Are Not Receipted — never, regardless of size.

5.5 Non-Cash Gifts — cash (card) donations only; no gifts-in-kind, securities, or crypto.

6. Payments and Payment Processing

6.1 All payments via Stripe Payments Canada, Ltd. (FINTRAC MSB M22204455); you also agree to Stripe's ToS; Trivio not responsible for Stripe acts/errors.

6.2 Card Data — Trivio never stores card number/CVV/expiry; entered directly into Stripe's PCI-DSS Level 1 interface; Trivio receives only a transaction token.

6.3 Accepted Methods — Visa, Mastercard, Amex; debit where Stripe supports it in Canada. No cash/cheque/money order/crypto.

6.4 Currency — CAD; card issuer applies FX for foreign cards.

6.5 Failed Payments — no donation, no receipt; email notice; retry or use another method.

7. Charity Partners

7.1 Trivio verifies Active CRA status before listing + re-verifies annually; not responsible for a charity's operations beyond financial-flow verification.

7.2 No Endorsement — a listing is not an endorsement; Transparency tiers (Standard/Verified/Transparent) reflect reporting data available, not quality ratings.

7.3 Accuracy — profiles based on CRA registry, T3010 filings, and charity-provided info; reasonable efforts, no guarantee.

7.4 Removal — Trivio may remove a Charity Partner (loss of CRA status, AML/KYC failure, agreement breach, CCO concern, or at the charity's request); pending donations are settled + receipted where possible.

8. AML/KYC Compliance and FINTRAC Obligations

8.1 MSB Obligations — verify donor identity; monitor transactions; file STRs within 30 days of reasonable grounds to suspect ML/TF; file LCTRs for ≥ CAD $10,000; sanctions screening; retain records ≥ 5 years.

8.2 Your Obligations — accurate identity info; cooperate with verification/EDD; no ML/TF; no donations for undisclosed third parties or sanctioned persons; no structuring to avoid thresholds.

8.3 Monitoring and Account Actions — Trivio may hold a transaction pending CCO review, request documents, decline unacceptable-risk transactions, or suspend/terminate accounts; reasons may be withheld where the PCMLTFA tipping-off prohibition applies.

8.4 Tipping-Off Prohibition (PCMLTFA s. 8) — if Trivio files an STR/report with FINTRAC, it is legally prohibited from disclosing that fact; not a breach of these Terms.

9. Privacy and Personal Information

9.1 Governed by Trivio's Privacy Policy (trivio.tech/privacy), incorporated by reference.

9.2 Compliant with Law 25, PIPEDA, and CASL.

9.3 CASL — transactional messages (receipts, confirmations, security) need no separate consent; commercial electronic messages need express opt-in + a working unsubscribe (honoured within 10 business days) — unsubscribe via any marketing email or info@trivio.tech.

9.4 Data Retention — donation/identity records ≥ 5 years (PCMLTFA); receipts ≥ 7 years (CRA); marketing consent ≥ 3 years (CASL); session/technical logs 24 months rolling.

10. User Conduct and Prohibited Activities

10.1 Prohibited — ML/TF or illegal financial activity; donations for sanctioned persons; structuring; multiple accounts / false identity to circumvent AML/KYC; non-genuine "donations" to move money; reverse-engineering/scraping; bots; harassment; false/defamatory Content; malware; any legal violation.

10.2 Consequences — Trivio may (at its discretion, without notice) suspend/terminate the account, hold transactions, report to FINTRAC/law enforcement, and pursue legal remedies.

11. Donor Dashboard and Transparency

11.1 Dashboard — giving history w/ Stripe references; all receipts; charity impact/spending where available; financial-flow confirmation.

11.2 Transparency Data — CRA registry, T3010, Charity Intelligence ratings where available; informational only, not advice.

12. Intellectual Property

12.1 Charity Partner content owned by the charities, licensed to Trivio for display.

12.2 User Content Licence — you grant Trivio a non-exclusive, royalty-free, worldwide licence to use/display/distribute submitted Content; you warrant you have the right to submit it.

13. Disclaimers

13.1 Platform provided "AS IS"/"AS AVAILABLE" without warranties, to the maximum extent permitted by Canadian law.

13.2 No Tax/Legal Advice — nothing constitutes tax/legal/financial/investment advice.

13.3 Charity Conduct — Trivio not responsible for a charity's operations/use of funds beyond CRA-status + AML/KYC screening.

13.4 Availability — no guarantee of uninterrupted/error-free access; maintenance suspensions with reasonable notice where possible.

14. Limitation of Liability

14.1 Trivio's total liability will not exceed the total Tips paid by you to Trivio in the 12 months preceding the claim.

14.2 No indirect/consequential/special/incidental/punitive damages.

14.3 Exclusions — does not limit liability for death/injury from gross negligence, fraud, or anything that can't be excluded under Quebec/Canadian law; Quebec Consumer Protection Act rights unaffected.

15. Indemnification

You indemnify Trivio (and its co-founders/officers/employees/agents) against claims arising from your breach of these Terms, legal violations, false info, AML/KYC-program violations, or third-party claims from your Content.

16. Account Suspension and Termination

16.1 Trivio may suspend/terminate for breach, AML/KYC concerns, sanctions match, fraud/illegality, false identity, inactivity (>36 months), or discontinuation of the Platform.

16.2 Your Right to Close — via info@trivio.tech; personal info retained for PCMLTFA/CRA periods; prior receipts remain valid; Trivio Credits balance forfeited.

16.3 Survival — Sections 5, 8, 9, 12, 13, 14, 15, 18 survive termination.

17. Dispute Resolution

17.1 Contact info@trivio.tech first; informal resolution efforts within 30 days.

17.2 Governing Law/Jurisdiction — Quebec + federal law; exclusive jurisdiction of the courts of Quebec, district of Montreal.

17.3 Consumer Protection — Quebec CPA rights unaffected.

17.4 No class-action waiver.

18. Governing Law and Language

18.1 Governed by Quebec + federal law (Income Tax Act, PCMLTFA, PIPEDA, CASL, Law 25).

18.2 Language — published in EN + FR; for Quebec residents the French version prevails (Charter of the French Language).

19. Changes to These Terms

Trivio may update these Terms; material changes → email registered Donors ≥ 30 days before; updated Terms posted at trivio.tech/terms with effective date; continued use = acceptance; legally-required changes may take effect immediately.

20. General Provisions

20.1 Entire Agreement (with the Privacy Policy) · 20.2 Severability · 20.3 Waiver · 20.4 Assignment (you may not assign without consent; Trivio may on M&A) · 20.5 Force Majeure · 20.6 Contact: general/privacy/receipt issues → info@trivio.tech; mailing: Trivio Technologies Inc., 4565 rue Dutrisac, Laval, Québec, H7W 5M5, Canada; platform: trivio.tech.

21. Version History

v1.0 · Effective 2026-08-05 — initial publication (donor ToS, two-charge model, FINTRAC AML/KYC, CRA receipting, CASL, Law 25, PIPEDA, Stripe, Quebec governing law). Last reviewed by Fahim Haque (CEO & CCO), July 2026. Reviewed annually.