Compliance, Legal and Regulatory

This website services various legal entities that market services under the “Corpay” brand in various jurisdictions. Your services may be provided by one or several of the legal entities listed below. Corpay is a worldwide payments provider for businesses and includes:

PLEASE READ THESE TERMS OF USE (“TERMS OF USE”) CAREFULLY BEFORE ACCESSING OR USING ANY WEBSITE, MOBILE SITE OR ONLINE SERVICE WHERE THESE TERMS OF USE ARE POSTED OR REFERENCED (EACH SUCH WEBSITE, MOBILE SITE AND ONLINE SERVICE, A “CORPAY SITE”). BY CLICKING “I ACCEPT” OR BY ACCESSING OR USING A CORPAY SITE, YOU UNDERSTAND THAT YOU ARE ENTERING INTO A LEGAL AGREEMENT WITH ONE OF THE ENTITIES SET FORTH HERE OR AN AFFILIATE THEREOF TO WHICH THE APPLICABLE CORPAY SITE BELONGS (SUCH ENTITY OR SUCH AFFILIATE, AS APPLICABLE “CORPAY”) AND ARE AGREEING TO BE BOUND BY THESE TERMS OF USE IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE CORPAY SITE. IF YOUR ACCESS OR USE OF THE CORPAY SITE IS ON BEHALF OF A COMPANY, ORGANIZATION OR OTHER LEGAL ENTITY (EACH, A “COMPANY”), YOU HEREBY REPRESENT THAT YOU ARE AUTHORIZED BY SUCH COMPANY TO SO BIND THE COMPANY TO THESE TERMS OF USE, IN WHICH CASE “YOU” OR “YOUR” SHALL REFER TO THE COMPANY. IF YOU DO NOT AGREE TO THE TERMS OF USE, YOU ARE NOT PERMITTED TO ACCESS, USE OR SUBMIT ANY CONTENT TO THE CORPAY SITE.

1. Updates and Modifications to Terms. Corpay reserves the right to modify, update, or amend these Terms of Use at any time, at its sole discretion. Any changes will become effective upon posting to the Corpay Site, with the effective date reflected in the “Last Updated” line above. By continuing to use any part of the Corpay Site after a new version of these Terms of Use has been posted, you are accepting and agreeing to the new version of the Terms of Use. It is your responsibility to review the Terms of Use for updates each time you use the Corpay Site.
2. Privacy Notice. Please click here to view Corpay’s Privacy Notice, which applies to personal information collected from or provided by you on the Corpay Site.
3. Intellectual Property. The Corpay Site and all content, information, images, video clips, graphics, software, and other materials featured, displayed or contained therein (collectively, “Content”) are protected by copyright, trademark and other similar laws of the United States, as well as international conventions and the laws of other countries. The Content is owned or controlled by Corpay or by other parties that have provided rights thereto to Corpay. All trademarks, service marks, and trade names (collectively the “Marks”) are trademarks owned by or licensed to and are proprietary to Corpay or other respective owners. Provided you comply with these Terms of Use, Corpay hereby grants you a limited, revocable, nonexclusive, non-sublicensable, non- transferable license to use the Corpay Site, for your personal, non-commercial purposes or such other purposes expressly permitted by Corpay in writing. Your use of this Corpay Site shall be for lawful purposes only. Further, unless you obtain the prior written consent of Corpay, you may not use any Mark owned or used by Corpay or by their licensors. All rights in the Corpay Site and the Content not expressly granted in these Terms of Use are reserved and retained by Corpay.
4. Account Creation. In order to use certain features or functionality of the Corpay Site, you may be required to establish an account with us (an “Account”). You are not permitted to share, sell, distribute or otherwise transfer your Account or allow your login credentials to be used by any other individual. You are responsible for all use of your Account, regardless of whether you authorized such use, and for ensuring that all use of your Account complies with these Terms of Use. It is your responsibility to maintain the confidentiality and security of your username, password, account and PIN, as may be applicable to the Corpay Site. You agree to immediately notify Corpay of any unauthorized use of your Account. Corpay is not liable for any loss or damage from your failure to comply with this section. Corpay may suspend or terminate your Account if it has a reasonable belief it is being used in connection with fraudulent activity. Please note Corpay may, but is not obligated to, monitor your use of the Corpay Site.
5. User Content.
   • The Corpay Site may allow you to post, upload, transmit through or otherwise make your content (e.g., feedback, comments, reviews, photos or other content) available to other users of the Corpay Site (collectively, “User Content”). Corpay is not obligated to, and does not regularly review, prescreen, monitor, delete, or edit User Content. You represent that (a) any User Content you provide is complete and accurate; (b) you own or otherwise control all the rights to such User Content and have the authority to grant rights in such User Content as set forth in these Terms of Use; and (c) such User Content does not violate any provision in these Terms of Use and will not cause injury to any person or entity. Corpay shall not be liable to you for any loss caused by your failure to comply with this Section. Corpay shall have the right, but not the obligation, in its sole discretion, to edit, move, delete or remove any User Content made available through the Corpay Site, for any reason, including a breach of these Terms of Use or violation of law. You, however, are solely responsible for any User Content provided by you and you will defend (at Corpay’s option), indemnify and hold harmless Corpay, and its officers, directors, contractors, affiliates, business partners, employees and other representatives (collectively, the “Corpay Indemnitees”) from and against all losses, liabilities, and costs (including reasonable attorneys’ fees) resulting from any User Content you provide in, or through, the Corpay Site.
   • You hereby grant Corpay a perpetual, royalty-free, irrevocable, worldwide, unlimited, non-exclusive license to use, reproduce, modify, publish, transmit, perform, display, sublicense, translate, distribute and create derivative works from any User Content provided by you in, or through, the Corpay Site for any purpose whatsoever, in any form, media or technology now or hereafter known or developed. No credit, approval or compensation is due to you for any such use of such Content. Please note any User Content submitted by you is and will be treated as non-confidential and non-proprietary as to you, provided that personal information we collect on the Corpay Site will be subject to our Privacy Policy.
6. Acceptable Use Policy. You shall neither post nor transmit, through the Corpay Site, any information or content that (a) violates or infringes upon the rights of others, including third party intellectual property rights; (b) is unlawful, threatening, abusive, defamatory, invasive of privacy rights, vulgar, obscene, profane or otherwise objectionable; (c) may contain political campaigning, chain letters, mass mailings, or any form of “spam;” or (d) is otherwise in violation of any law or regulation. The Corpay Site contains proprietary information and the rights to the Content are owned by Corpay and its licensors. You may not modify, reproduce, publish, transmit, translate, publicly display, distribute, create derivative works from or in any way exploit, any feature on the Corpay Site or the Content contained in the Corpay Site, in whole or part, without the written permission of Corpay. In addition, you shall not (i) remove from the Corpay Site, or modify, any markings, notices or proprietary rights of Corpay or its licensors; (ii) attempt to impersonate another individual or otherwise mislead as to the origin of any User Content submitted by you; (iii) make any viruses, spyware, malware, or similar items which are potentially harmful or intended to damage or monitor the use of software, hardware or other equipment or to collect information about users of the Corpay Site (collectively, “Code”) available through or in connection with the Corpay Site; (iv) cause or permit reverse engineering, disassembly or decompilation of the Corpay Site; (v) interfere with or disrupt the operation of the Corpay Site or the systems, servers or networks used to make the Corpay Site available; or (vi) attempt to gain unauthorized access to any Corpay account, systems or network through hacking, password mining or any other means not intentionally made available through the Corpay Site.
7. Termination/Suspension. Corpay reserves the right to modify or discontinue any aspect of the Corpay Site and to restrict, suspend or terminate your access to the Corpay Site at any time at its sole discretion. In addition, Corpay may take appropriate legal action, at its sole discretion, including if it reasonably believes your conduct on the Corpay Site breaches these Terms of Use, violates applicable law, or is harmful to the interests of Corpay or others, with or without notice to you. You may terminate these Terms of Use at any time by permanently discontinuing your use and access of the Corpay Site. In the event of any termination of these Terms of Use, you will continue to be bound by any obligations in the Terms of Use that are understood to survive such termination.
8. Third Party Sites. The Corpay Site may contain links to third-party sites or information, including, without limitation, links from advertisers, sponsors and/or partners that may use a Corpay Mark. Corpay assumes no liability for, and makes no representations regarding, these third-party sites, including without limitation their content and the practices of their operators. Your access to and use of a third-party site are at your own risk and will be governed by such third party’s terms and policies. The presence of a link to a third-party site is not an endorsement, sponsorship or recommendation by Corpay of the third party or the content, products, or services contained on, or available through, such third-party site.
9. DISCLAIMER OF WARRANTIES.
   • THE CORPAY SITE AND ALL CONTENT MADE AVAILABLE THEREIN ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. CORPAY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CORPAY SITE OR ITS CONTENT, ITS USE, OR THE RESULTS OF SUCH USE. ALL WARRANTIES AND CONDITIONS OF ANY KIND, PAST OR PRESENT, WHETHER STATUTORY, COMMON-LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS (INCLUDING THIRD-PARTY INTELLECTUAL PROPERTY RIGHTS), MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW.
   • WITHOUT LIMITING THE FOREGOING, CORPAY DOES NOT WARRANT OR REPRESENT THE OPERATION OF THE CORPAY SITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY DEFECT WITHIN THE CORPAY SITE WILL BE CORRECTED. FURTHERMORE, CORPAY DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE CAPABILITY, CORRECTNESS, ACCURACY, RELIABILITY, SECURITY OR OTHERWISE OF THE CORPAY SITE OR ITS CONTENT, OR THAT THE CORPAY SITE WILL MEET YOUR REQUIREMENTS.
   • TO THE EXTENT APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF ANY OF THE ABOVE-MENTIONED WARRANTIES, THE DISCLAIMERS ABOVE DO NOT APPLY TO YOU.
10. LIMITATION OF LIABILITY/RELEASE.
    • TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND SUBJECT TO APPLICABLE LAWS, INCLUDING WITH RESPECT TO LIABILITY FOR PERSONAL INJURY OR NON-WAIVABLE STATUTORY RIGHTS UNDER THE LAWS OF ANY STATE, IN NO EVENT SHALL CORPAY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, SHAREHOLDERS OR AGENTS BE LIABLE TO YOU: (I) WITH RESPECT TO YOUR USE OF THE CORPAY SITE, THE CONTENT CONTAINED IN OR ACCESSED THROUGH THE CORPAY SITE, OR ANY LOSSES RESULTING FROM ERRORS, OMISSIONS, INTERRUPTIONS, DATA LOSS, DEFECTS, MALICIOUS CODE, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO THE CORPAY SITE OR ANY OTHER SYSTEMS OF CORPAY; OR (II) FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES OR LOST REVENUE OR PROFITS, ARISING OUT OF YOUR USE OR INABILITY TO USE THE CORPAY SITE OR ANY ERRORS OR OMISSIONS IN THE CONTENT, EVEN IF CORPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL CORPAY’S AGGREGATE LIABILITY TO YOU, DIRECT OR OTHERWISE, EXCEED ONE HUNDRED DOLLARS ($100), WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE OR ANY OTHER LEGAL THEORY. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS OF USE, NEITHER PARTY MAY ASSERT ANY CLAIM AGAINST THE OTHER RELATED TO THIS AGREEMENT MORE THAN TWO YEARS AFTER THE OCCURRENCE OF THE EVENT LEADING TO SUCH CLAIM.
    • THE LAWS OF CERTAIN JURISDICTIONS MAY NOT ALLOW THE EXCLUSIONS AND LIMITATIONS OF DAMAGES IN THIS SECTION, IN WHICH CASE CORPAY’S LIABILITY FOR DAMAGES IN CONNECTION WITH THESE TERMS OF USE IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY THE LAWS OF SUCH JURISDICTION.
11. Forward Looking Information. Certain information on the Corpay Site contains certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words "believe", "expect", "anticipate", "optimistic", "intend", "aim", "will" or similar expressions are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. Corpay undertakes no obligation to update publicly or revise any forward-looking statements.
12. Indemnification. You agree to defend (at Corpay’s option), indemnify and hold harmless the Corpay Indemnitees from and against all claims, actions, demands, liabilities, costs and expenses, including, without limitation, reasonable attorneys’ fees, arising from or resulting from your breach of the Terms of Use or any misuse of the Corpay Site. The Corpay Indemnitees reserve the right, at their expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in any case, you agree to cooperate with the Corpay Indemnitees in such defense, if requested by Corpay. You will not settle any claim without the prior written consent of Corpay.
13. International Use/Export.
    • The Content is not intended to be published or made available to any person in any jurisdiction where doing so would result in the violation of any applicable laws or regulations. Accordingly, if it is prohibited to make such Content available in your jurisdiction or to you (by reason of your nationality, residence or otherwise), it is not directed at you. Before reviewing this Corpay Site, you must be satisfied that doing so will not result in such a violation and is not so prohibited, and by proceeding to use this Corpay Site you confirm that this is not the case.
    • You acknowledge the Content may be subject to customs, trade sanctions and export laws and regulations of the United States and those of other countries. You agree to comply with such laws and regulations in your use of the Corpay Site and its Content. You may not download, transfer, export or re-export any Content prohibited under customs, trade sanctions or export control laws, or otherwise, to any territory prohibited under United States trade sanctions regulations, or to any person, entity or organization designated on the U.S. Treasury Department’s List of Specially Designated Nationals or majority- owned by a person, entity or organization so designated or to any person, entity or organization designated on the U.S. Department of Commerce’s Denied Persons List or Entity List. By Using a Corpay Site or any Content, you represent and warrant you are not located in, under the control of, or a national or resident of any country to which such import, export, or re-export is prohibited under United States trade sanctions regulations or export control laws and you are not a person or entity to which such export is prohibited under United States trade sanctions regulations or export control laws.
14. Consent to Electronic Communications. These Terms of Use and any other documentation, agreements, notices, or communications between you and Corpay may be provided to you electronically to the extent permissible by law. Please print or otherwise save a copy of all documentation, agreements, notices, and other communications for your reference
15. Miscellaneous. These Terms of Use and any other terms and conditions expressly incorporated by reference herein represent the entire agreement between you and Corpay with respect to the subject matter contained in the Terms of Use and supersede all previous written or oral agreements between the parties with respect to such subject matter. You may not assign any of your rights or obligations under the Terms of Use without the prior written consent of Corpay. If any provision herein is judicially interpreted or held to be void or otherwise unenforceable as written, such provision will be deemed to be revised and modified to the extent necessary to make it legally enforceable. In any event, the remaining terms of the Terms of Use will be enforceable as though the void or unenforceable provision did not exist. No delay or omission by Corpay to exercise any right it has under the Terms of Use will impair or be construed as a waiver of such right. These Terms of Use and your use of the Corpay Site shall be governed by the laws of the State of Delaware, without regard to conflict of laws principles. You irrevocably consent to the exclusive jurisdiction of the federal and state courts sitting in the State of Delaware, for purposes of any legal action arising out of or related to the use of the Corpay Site or these Terms of Use.

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For Corpay and Comdata Mastercard related products:

The Corpay and Comdata Mastercard is issued by Regions Bank, pursuant to a license by Mastercard International Incorporated. MasterCard, Cirrus and Maestro are registered trademarks of MasterCard International Incorporated.

1. Comdata Inc., d/b/a Corpay (“Corpay”), offers to cardholders and account administrators (each a “User”), through a third-party service provider, a messaging service whereby such Users may receive certain account and transaction related messages (“Account Messages”), Marketing Messages (as defined below), and send certain request messages via email and/or SMS text messaging (the “Messaging Services”). These Terms and Conditions apply to User’s use of the Messaging Services.
2. By subscribing to the Messaging Services, User agrees to these Terms and Conditions as such Terms and Conditions may be amended or modified from time to time by Corpay in its sole discretion. Continued use of the Messaging Services after User has been notified of a change in the Terms and Conditions shall be deemed an acceptance of such new Terms and Conditions by User.
3. In accordance with the foregoing, User acknowledges, consents and agrees, that User wishes to receive the Messaging Services for the telephone number provided by User through an enrollment method made available by or on behalf of Corpay. User acknowledges and agrees that, as part of the receipt of the Messaging Services, that Users consents to receive marketing information, product feature information, services solicitations, and to receive offers for products, services, or promotions from Corpay (collectively, “Marketing Messages”).
4. I authorize Corpay, and its affiliates and service providers, to contact me via text message (SMS) at the phone number that I have provided using automated dialer technology and other methodologies, and authorize the delivery of Account Messages and Marketing Messages to such phone number.
5. Corpay may, in its sole discretion, terminate or suspend access to the Messaging Services or any portion thereof at any time and with respect to any User.
6. User is not required to provide consent or enroll in this Messaging Service as a condition of purchasing goods or services from Corpay. User may terminate the services at any time by texting “STOP” to 84234 or by contacting customer service via the phone number on the back of your card. User will receive a message confirming the termination of the Messaging Services and will receive no further messages.
7. User may text “HELP” to 84234 for help in using the Messaging Services.
8. If you are a cardholder with cardholder terms and conditions applicable to the use of your card issued by or on behalf of Corpay, these Terms and Conditions control your use of the Messaging Services to the extent there is a conflict with your cardholder terms. For corporate or fleet account administrators or other employees, these Terms and Conditions control your use of the Messaging Services to the extent there is a conflict with the card agreement your company has entered into with Corpay.
9. Eligibility. User must be a Corpay cardholder or an authorized account administrator for a Corpay card account to access the Messaging Services.
10. Costs and Expenses. Carrier Msg and Data Rates may apply and there may be third party costs and expenses associated with using the Messaging Services. For example, User may incur charges from its internet service provider with respect to email messages sent or received through the Messaging Services, or from its mobile service provider with respect to SMS text messages sent or received through the Messaging Services. Corpay shall not be responsible for any charges incurred by User related to the use of the Messaging Services.
11. Restrictions on Use. User shall not use the Messaging Services in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only use the Messaging Services in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations.
12. Warranty Disclaimer. CORPAY AND ITS THIRD PARTY PROVIDER PROVIDE THE MESSAGING SERVICES “AS IS” WITH NO WARRANTIES OF ANY KIND. CORPAY AND ITS THIRD PARTY SERVICE PROVIDER EXPRESSLY DISCLAIMS ANY WARRANTY, EXPRESS OR IMPLIED, REGARDING THE MESSAGING SERVICES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON- INFRINGEMENT, OR THAT THE MESSAGING SERVICES WILL BE SECURE, UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS.
13. Limitation of Liability. UNDER NO CIRCUMSTANCES WILL CORPAY OR ITS AFFILIATES AND ITS THIRD PARTY SERVICE PROVIDER, OR THEIR RESPECTIVE EMPLOYEES, OFFICERS AND DIRECTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OR INABILITY TO USE THE MESSAGING SERVICES, INCLUDING BUT NOT LIMITED TO RELIEANCE ON ANY INFORMATION OBTAINED THROUGH THE MESSAGING SERVICE, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, LOSS OF OR DAMAGE TO DATA, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT CORPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
14. If User is dissatisfied with the Messaging Services or with these Terms and Conditions, User’s sole and exclusive remedy is to discontinue using the Messaging Services. User acknowledges by its use of the Messaging Services and acceptance of these Terms and Conditions that use of the Messaging Services is at User’s sole risk.
15. Indemnity. User, and with respect to authorized corporate account administrators, Corpay’s client, agrees to indemnify, defend and hold harmless Corpay, its affiliates and its third party service provider, and their respective employees, officers and directors, from and against any and all claims, liabilities, penalties, settlements, judgments, fees (including reasonable attorneys’ fees) arising from (i) any content that User or anyone using User’s account may submit or transmit using the Messaging Services, (ii) User’s use of the Messaging Services, (iii) User’s violation of these Terms and Conditions, and (iv) any violation of failure by User to comply with all laws and regulations in connection with the Messaging Services.
16. SMS Text Messaging. For SMS Text Messaging, Corpay, through its third party provider, supports the following carriers: AT&T, Sprint, T-Mobile, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.

17. Waiver of Jury Trial; Binding Arbitration. User or Corpay may, without the other’s consent, elect mandatory, binding arbitration for any claim, dispute, or controversy between or among such parties arising from or in any way relating to these Terms and Conditions, the Account Messages, the Marketing Messages, the Messaging Service, or the relationship of such parties, including without limitation claims regarding the application, enforceability, or interpretation of these Terms and Conditions and this arbitration provision, and no matter what legal theory such claims are based on or what remedy (damages, or injunctive or declaratory relief) such claims seek (a “Claim”). The party filing for arbitration must choose one of the following arbitration firms and follow its rules and procedures for initiating (including paying the filing fee) and pursuing arbitration before a single neutral arbitrator: American Arbitration Association, National Arbitration Forum, or JAMS. All other fees will be allocated as provided by the rules of the arbitration firm and applicable law.

    Can User assert or participate in a class action? To accommodate the right to arbitrate, User agrees that User will neither assert, nor participate in, a class action or other representative action or proceeding related to these Terms and Conditions, the Account Messages, the Marketing Messages, the Messaging Service or any other aspect of User’s relationship with Corpay. Claims must be brought in the name of an individual person or entity and must proceed on an individual (non-class, non-representative) basis.

    Who can be a party? The arbitrator will not award relief for or against anyone who is not a party. If User or Corpay requires arbitration of a Claim, neither User, Corpay, nor any other person may pursue the Claim in arbitration as a class action, private attorney general action or other representative action, nor may such Claim be pursued on your or our behalf in any litigation in any court. Claims, including assigned Claims, of two or more persons may not be joined or consolidated in the same arbitration. However, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as one person.

    What Claims are subject to arbitration? All Claims relating to these Terms and Conditions, the Account Messages, the Marketing Messages, the Messaging Service, or our relationship are subject to arbitration, including Claims regarding the application, enforceability, or interpretation of this Agreement and this arbitration provision. All Claims are subject to arbitration, no matter what legal theory they are based on or what remedy (damages, or injunctive or declaratory relief) they seek. This includes Claims based on contract, tort (including intentional tort), fraud, agency, User or Corpay’s negligence, statutory or regulatory provisions, or any other sources of law; Claims made as counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and Claims made independently or with other claims. A party who initiates a proceeding in court may elect arbitration with respect to any Claim advanced in that proceeding by any other party. Claims and remedies sought as part of a class action, private attorney general or other representative action are subject to arbitration on an individual (non-class, non- representative) basis, and the arbitrator may award relief only on an individual (non-class, non-representative) basis.

    Whose Claims are subject to arbitration? Not only Corpay’s and User’s, but also Claims made by or against anyone connected with Corpay or User or claiming through Corpay or User, such as any user of User’s telephone or card account, including without limitation, an employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy.

    What time frame applies to Claims subject to arbitration? Claims arising in the past, present, or future, including Claims arising before the opening of your account, are subject to arbitration.

    Broadest interpretation. Any questions about whether Claims are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. This arbitration provision is governed by the Federal Arbitration Act (the “FAA”).

    What about Claims filed in Small Claims Court? Claims filed in a small claims court are not subject to arbitration, so long as the matter remains in such court and advances only an individual (non-class, non-representative) Claim.

    How does a party initiate arbitration? The party filing an arbitration must choose one of the following three arbitration firms and follow its rules and procedures for initiating and pursuing an arbitration: American Arbitration Association, JAMS, and National Arbitration Forum. Any arbitration hearing that User attends will be held at a place chosen by the arbitration firm in the same city as the U.S. District Court closest to User’s then current billing address, or at some other place to which User and Corpay agree in writing. User may obtain copies of the current rules of each of the three arbitration firms and forms and instructions for initiating arbitration by contacting them as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New York, NY 10017-4605 Web site: www.adr.orgl JAMS, 1920 Main Street, Suite 300, Irvine, CA 92610 Web site: www.jamsadr.com; National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405 Web site: www.arbitration-forum.com. At any time User or Corpay may ask an appropriate court to compel arbitration of Claims, or to stay the litigation of Claims pending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails to exercise these rights at any particular time, or in connection with any particular Claims, that party can still require arbitration at a later time or in connection with any other Claims.

    What procedures and law are applicable in arbitration? A single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least ten years of experience or a retired or former judge, selected in accordance with the rules of the arbitration firm. The arbitration will follow procedures and rules of the arbitration firm in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with these Terms and Conditions, in which case these Terms and Conditions will prevail. Those procedures and rules may limit the discovery available to User or Corpay. The arbitrator will take reasonable steps to protect confidential information if requested to do so by User or Corpay. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party any damages or other relief provided for under applicable law. User or Corpay may choose to have a hearing and be represented by counsel. The arbitrator will make any award in writing and, if requested by User or Corpay, will provide a brief statement of the reasons for the award. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, or on the resolution of any other dispute.

    Who pays? Whoever files the arbitration pays the initial filing fee. If Corpay files, Corpay pays; if User files, User pays, unless User gets a fee waiver under the applicable rules of the arbitration firm. If User has paid the initial filing fee and User prevails, Corpay will reimburse User for that fee. All fees will be allocated as provided by the rules of the arbitration firm and applicable law. However, Corpay will advance or reimburse User’s fees if the arbitration firm or arbitrator determines there is good reason for requiring Corpay to do so, or if User asks us and Corpay determines there is good reason for doing so. Each party will bear the expense of that party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines.

    When is an arbitration award final? The arbitrator’s award is final and binding on the parties unless a party appeals it in writing to the arbitration firm within fifteen days of notice of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration firm. The panel will consider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Costs will be allocated in the same way they are allocated for arbitration before a single arbitrator. An award by a panel is final and binding on the parties after fifteen days has passed. A final and binding award is subject to judicial review and enforcement as provided by the FAA or other applicable law.

    Survival and Severability of Terms. This arbitration provision shall survive: (i) termination or changes in these Terms and Conditions, any account or account Agreement that User may have with Corpay, or the relationship between User and Corpay concerning the Messaging Service or any account; and (ii) the bankruptcy of any party. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing.

Corpay maintains appropriate licensing and regulatory standards for a Money Services Business (and equivalent) in the regions in which we operate and where required. Please use the link below to download this information.

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AFEX Markets Europe Ltd Client Asset Key Information Document 

This document provides you with key information about the Client Asset Regulations. 
 
AFEX Markets Europe Ltd Client Asset Key Information Document click here and Client Assurance Document click here.
 

Download the document in English
Download the document in French
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The information contained in these documents are proprietary and confidential to Corpay and are only applicable to clients of AFEX Markets Europe Limited. This material may not be duplicated, published, or disclosed, in whole or in part, without the prior written permission of Corpay.

Associated Foreign Exchange Ireland Limited Client Assurance Document click here.

Corpay’s Commitment to Accessibility

Corpay (“Corpay”) is committed to providing a barrier-free environment for our clients, employees and other stakeholders: whether they enter our premises, receive services from us or access our information.

Corpay strives to meet the needs of its employees and customers with disabilities and is working hard to remove and prevent barriers to accessibility.

Our business is committed to fulfilling our requirements under the Ontario statute: Accessibility for Ontarians with Disabilities Act (“AODA”).

As an organization, we are committed to treating all people in a way that allows them to maintain their dignity and independence. Corpay believes in integration and equal opportunity, is committed to meeting the needs of people with disabilities in a timely manner, and is committed to meeting the accessibility requirements under the AODA.

To read our Accessible Customer Service Policy, download it here.

Please click here to view our Self-Certified Report from 2013, and click here to view the 2023 report.

Multi-Year Accessibility Plan: Please click here to read our Multi-Year Accessibility Plan.

Contacts: If you would like to request information regarding our accessibility or are having trouble accessing our services, please reach us on the below.

Human Resources
Phone: (416) 646-6401 or cambridgefx.humanresources@fleetcor.com

Corpay¹’s Annual Modern Slavery and Human Trafficking Statement

Regarding the Fiscal Year That Ended December 31, 2021

Message from the Senior Management of Corpay Cross-Border

The year 2021 marks more than 150 years since Abraham Lincoln’s Emancipation Proclamation, and more than 180 years since the British Empire abolished slavery. Yet, so many years later the practice of slavery still lives on: The Global Slavery Index’s most recent estimate is that some 40.3 million people are enslaved by modern slavery². The senior managers of Corpay cross border require all Corpay cross-border employees, clients, other stakeholders and the public at large to review this Corpay statement regarding modern slavery which apply formally to our UK entities and informally to all Corpay cross-border businesses. Corpay cross-border is committed to working together will all stakeholders to ensure that Corpay lives up to it commitment of zero tolerance for direct or indirect enablement of slavery and human trafficking.

Introduction

Corpay is a multinational group of financial service companies providing financial solutions and the cross-border group specializes in foreign currency and global payments solutions. This Slavery and Human Trafficking Statement is the Corpay cross-border policy applicable to the identified Corpay cross-border corporations. This statement complies with the requirements of subsection 54(1) of Britain’s Modern Slavery Act 2015 (“BMSA”).

What is the BMSA? It is an Act of the Parliament of the United Kingdom. It is designed to reduce and eliminate slavery in the UK and consolidates previous offences relating to trafficking and slavery. The act extends to England and Wales. The bill was introduced to the House of Commons in draft form in October 2013. It received Royal Assent and became law on 26 March 2015.

BMSA is intended to combat slavery, servitude and forced, compulsory labour and about human trafficking, including by way of provision for the protection of victims. BMSA likewise provides for an Independent Anti-slavery Commissioner, among other measures to facilitate this goal.

Corpay complies with the spirt of BMSA in all its offices. We therefore ensure worldwide that no modern slavery, servitude, forced or compulsory labour and human trafficking (“modern slavery”) is taking place anywhere in our business or supply chain. Details of how we ensure this are set out in the seven sections that follow.

1. Corpay’s structure, business and supply chains
   Corpay corporations are subsidiaries of Fleetcor (NYSE: FLT). Corpay cross-border ’s global headquarters are in Toronto, Canada, with additional offices in Australia, Ireland, Italy, Jersey, Singapore, Spain, UK and, the USA. Corpay is licensed to service customers based in all those countries. Corpay cross-border is a financial services business: Specifically, we provide solutions catering to our customers’ foreign currency exchange and global payments needs. Corpay cross-borders ’s business is therefore based on intangibles rather than physical inventory, and our risk of being supplied directly or indirectly by slave labour is low. Our key suppliers are our banking partners, as well as our technology partners that provide us software to help us offer enhanced trading capabilities, as well as comply with anti-money laundering and related laws. Corpay performs appropriate due diligence on both suppliers and customers. Additionally, with the exception of restricted private client business, our business is primarily B2B servicing corporate rather than consumer clientele. Between our B2B focus, and the countries that our business focuses on, we face a low overall risk of in any way facilitating modern slavery.

2. Corpay’s policy in relation to slavery and human trafficking
   We do not tolerate or condone the practice of modern slavery in any form and Corpay cross- border group is committed to ensuring that there is no modern slavery in our business or supply chain. Our policies to implement this commitment include:

   • A policy requiring employees who suspect, or become aware of, any instances of modern slavery in our business or supply chain, to report such incidents to management and /or make use of our whistle-blowing channels (as appropriate). All good faith whistleblowing is protected against retaliation.

3. At Corpay Cross-Border, we follow due diligence processes in relation to slavery and human trafficking in our business and supply chains
   The due diligence processes we follow include the following measures:

   • Due diligence relating to modern slavery carried out on suppliers identified as being at higher risk of modern slavery.
   • A periodic risk assessment of our business and supply chain to identify suppliers and business engagement where the risk of modern slavery is highest.
   • Scrutinizing clients both during initial on-boarding and on a transactional basis for compliance and reputational risks.

4. Risk assessment and management: The parts of Corpay’s business and supply chains where there is a risk of slavery and human trafficking taking place, and the steps we have taken to assess and manage that risk
   Corpay engages with numerous related suppliers and services across the globe. In order to manage and mitigate any risk we periodically assess our business and supply chain in order to identify those areas in which we consider the risk of modern slavery to be the highest. At present we would consider that the risk of modern slavery occurring is somewhat higher in jurisdictions where they have less legislation against or controls of such activity. For business involving such jurisdictions we are on heightened alert for suspicious signals of possible modern slavery. Many jurisdictions with a relatively high percent of their population enslaved are for separate reasons deemed high risk countries by Corpay and therefore payments to such countries are always intensely scrutinized.

   Corpay cross-border is committed to acting professionally and fairly in all of our business dealings and relationships we operate, including enforcing appropriate systems and controls. Corpay cross-border also confirms that all counterparties we do significant business with conduct all their business with integrity and that they, like us, have a zero tolerance approach to modern slavery.

5. Measured against appropriate performance indicators, Copay Cross-Border is effective in ensuring that slavery and human trafficking is not taking place in our business or supply chains
   Corpay cross-border investigates all its counterparties who play a more than minimal role in the Corpay business to ensure the counterparties are not in breach of anti-slavery laws. Corpay cross-border likewise obtains contractual promises from all such counterparties that they comply with their legal obligations, which include laws against slavery.

   Corpay cross-border stays alert to tips provided by any of the contact options described at the end of this statement. Corpay provides an initial response within five business days of receipt, and a complete response within thirty calendar days of receipt. This way we ensure raised concerns get the appropriate priority, and we maximize our ability to collaborate with others in carrying out our anti-slavery compliance.

6. The training and capacity building about slavery and human trafficking available to Corpay Cross-Border staff
   Corpay cross border in the fiscal year ending December 31, 2017, commenced training on our policies and procedures in relation to modern slavery to Corpay cross-border staff, as part of annual refresher training in anti-money laundering compliance beginning for some entities in spring 2018. These measures ensure we are awareness of Corpay’s zero tolerance for being party in any way to slavery or human trafficking, and that this zero tolerance stance overrides any potentially competing priorities.

7. Corpay Cross-Border Contact Information
   In case of any questions or concerns relating to this statement, please feel free to contact us by any of the following methods: 1) Email to legal@cambridgefx.com; or 2) Mail to Cambridge Mercantile Corp. (UK) Limited, 4th Floor, 40 Strand, London, WC2N 5RW England, Attention: Legal.

   Corpay’s website is www.corpay.com .

   Standard and accessible formats of this document are free on request to Human Resources at email address: Cambridgefx.humanresources@fleetcor.com .

   This document was last updated on December 9, 2021.

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¹ “Corpay” (also “we” “us” “our”) in this document refers individually and collectively to the brand used by the following UK based legal entities in the Corpay cross-border group as identified in our legal pages https://payments.corpay.com/compliance#1 .

² https://www.globalslaveryindex.org/2019/findings/executive-summary/

Some of the Corpay account Terms and Conditions are available by reference:

For Corpay Cross-Border Terms and conditions, click here .

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Please click here to read and download our fraud awareness and social engineering recommendations and best practices

ESG Policy and SFDR Disclosure

Purpose

AFEX Markets Europe Ltd (T/A Corpay) (AFEX) recognises the operational impact which the business has on the communities we serve and, on our environment, at large. Corpay believes in behaving as a responsible business and is committed to exerting a positive impact on both society and the environment.

Corpay believes that companies have a responsibility to contribute to the effort to fight climate change and to care for nature and the environment. It is also Corpay’s belief that companies should provide good employment conditions and be committed to diversity by creating an inclusive workplace and offering a productive, safe, healthy and harassment-free environment. Corpay also recognises that good corporate governance is essential to long-term success and to ensuring that companies deliver value for all stakeholders, including shareholders.

Scope

This Policy applies to all directors, officers and employees of Corpay and must comply with the spirit and intent of the Policy. This policy is subject to all applicable local laws and regulations.

ESG Principles

Corpay’s core ESG Principles are set out below. Corpay seeks to:

Environmental:

• Comply with all legal and regulatory requirements
• Continually improve and review environmental performance
• Continually improve and reduce environmental impacts
• Incorporate environmental factors into business decisions
• Increase employee awareness and training

Social:

• Comply with all legal and regulatory requirements
• Offer work-life balance and good employment conditions to its workforce in a productive, safe and harassment-free environment
• Promote equal opportunities and diversity among its workforce
• Pay its staff the real living wage as a minimum
• Give, and encourage its staff to give, to charity
• Encourage staff to be active and look after their health
• Assess suppliers with regards to ESG
• Measure customer satisfaction

Governance:

• Comply with all relevant laws and regulations and provide a whistleblowing platform for raising any concerns
• Have in place a sound corporate governance structure
• Have a zero-tolerance approach to health and safety matters
• Adhere to high ethical standards and operate free from corruption and conflicts of interest
• Have all the necessary measures in place to fight money laundering
• Have all the necessary cyber security measures in place to protect itself against fraud and other types of cyber crime
• Protect the personal data of all data subjects
• Have in place, and regularly test, a Business Continuity Plan

Integration of Sustainability Risk

When we say ‘sustainability risk’ here we mean an environmental, social or governance (ESG) event or condition that could cause an actual or a potential negative impact on the value of a product we recommend to you.

We give advice on over-the-counter foreign exchange derivative products. Our products are used for the purposes of currency risk management and not to invest on the market with the intention to make a profit. Clients use our products if they have an exposure to foreign exchange risk and desire to hedge against this underlying commercial foreign exchange exposure.

When we give you advice, we use a range of information to help you make an informed decision, this includes:

• how long you want to invest/hedge your money for;
• the level of your exposure to foreign exchange risk;
• your attitude to investment risk – i.e. the potential for losses and gains and the volatility of investments; and,
• explaining to you how the products we may recommend are used and their features.

Corpay does not currently take specific account of sustainability risks in its advice process because the products which we offer are designed, and used, predominantly for hedging purposes.

How we include sustainability factors in our advice process may develop over time, but this will be largely driven by the products we offer and how these products factor in sustainability risks.

In accordance with the European Sustainable Finance Disclosure Regulation (SFDR) (EU) 2019/2088, please click here to access the SFDR Disclosure.