LEGAL
Policies and legal
Our terms, our privacy policy, and the guidance that explains how they work in practice. Everything that governs your use of Rbcpay is on this page or one click from it.
Two governing documents
Guidance explains, terms govern
Dated and versioned
One contact address
Ontario, Canada
The documents that govern your use of Rbcpay
Two, and only two. Everything else on this site explains them rather than adding to them.
Terms and Conditions
The agreement between you and Rbcpay.com, Inc. It covers eligibility, accounts, how a transaction works, funding and release, fees, disputes, liability, termination and governing law.
- Who may open an account and use the service
- How a transaction is created, funded and released
- Fees, and when they are charged
- Disputes and how they are handled
- Prohibited use and account termination
- Liability, indemnity and governing law
Effective 25 August 2026. Last updated 25 August 2026.
Privacy Policy
How Rbcpay.com, Inc. collects, uses, shares and retains personal information, and what you can ask us to do with yours.
- What information is collected, and why
- Identity verification and fraud prevention use
- Who information is shared with, and when
- How long information is kept
- Cookies and similar technologies
- Your access, correction and deletion rights
Effective 25 August 2026. Last updated 25 August 2026.
How to read this site
Guidance explains. The terms govern.
The help pages on this site are written to be understood. They describe how transactions, payments, shipping, fees and disputes work in ordinary language, with examples.
They are not a separate agreement and they do not change the terms. Where a help page and the terms and conditions differ, the terms and conditions apply. If you find a place where they disagree, tell us, because that is a mistake worth fixing rather than an argument worth having.
What is not a policy document
- A help article or a guide on this site
- An answer given in a support conversation
- A figure in an example or a calculator
- Anything sent to you in a message or an email
- Anything said by someone claiming to represent Rbcpay
If a document is not published on this site under Rbcpay.com, Inc., it is not a Rbcpay policy. That includes anything sent to you claiming to be one.
Guidance by subject
Written explanations of how the terms work in practice. Read alongside the terms and conditions, not instead of them.
Fees and commissions
What is charged, when, and who pays.
Disputes and complaints
Raising a dispute, and complaining about us.
Shipping and delivery
Despatch, tracking and inspection periods.
Fraud prevention
How fraud is attempted, and how to stop it.
Company and jurisdiction
| Legal entity | Rbcpay.com, Inc. |
| Parent company | NPI Inc. |
| Registered address | 1 King Street West, 48th Floor, Suite 4809-01, Toronto, Ontario M5H 1A1, Canada |
| Contact for legal and privacy matters | escrow@rbcpay.com |
| Telephone | +1-519-993-2775 |
| Governing law | The Province of Ontario and the federal laws of Canada applicable in it |
| Forum | The courts of Ontario |
Use these details to check that anything claiming to come from Rbcpay actually does. An email from another domain, or a different phone number, is not us.
Making a request
Access or delete your data
Write to escrow@rbcpay.com from the address on your account.
Complain about our service
Use the complaints form so it is logged and given a reference.
Report a security issue
Report a bug or a vulnerability rather than posting it publicly.
What Rbcpay is, in legal terms
Rbcpay.com, Inc. operates a marketplace transaction platform. It is not a bank, a trust company, a licensed escrow agent, a payment institution, an insurer, a carrier, an appraiser or a law firm, and it does not hold itself out as any of those.
Nothing on this site is legal, tax, financial or investment advice. Where a transaction is large, cross-border, or involves regulated property, take your own professional advice before you commit to it.
Changes to these documents
The terms and the privacy policy can change. Each carries an effective date and a last updated date at the top, so you can always see which version you are reading.
- Check the dates at the top of each document
- Continued use after a change means the current version applies
- A transaction is governed by the terms in force when it was created
- Keep your own copy of anything you rely on
Language and interpretation
These documents are published in English. Where a translation is provided for convenience and it differs from the English version, the English version is the one that applies.
- Headings are for navigation and do not affect meaning
- Examples are illustrative, not contractual
- If a clause is unenforceable, the rest still stands
- Ask us if a clause is unclear, before you rely on it
Legal questions
Which document actually applies to my transaction?
The terms and conditions. The help pages on this site explain how those terms work in practice, but where the two differ, the terms and conditions apply.
Do the terms change after I have created a transaction?
A transaction is governed by the terms in force when it was created. Later changes apply to what you do after them, not retrospectively to a transaction already under way.
Where do I send a data access or deletion request?
To escrow@rbcpay.com, from the email address registered on your account so the request can be matched to you. The privacy policy sets out what can be provided and what has to be retained.
How do I complain about Rbcpay itself?
Through the complaints form, so that it is logged and given a reference. That is separate from a dispute between a buyer and a seller about a transaction.
Is Rbcpay licensed or regulated?
Rbcpay.com, Inc. operates a marketplace transaction platform and does not hold itself out as a bank, licensed escrow agent, payment institution or insurer. Where a claim about status or registration is not published on this site by Rbcpay.com, Inc., do not rely on it.
Someone sent me a Rbcpay policy document. Is it genuine?
Check it against this site. If a document, a fee schedule or a set of payment instructions is not published here, treat it as not ours and tell us about it.
Which law applies?
The Province of Ontario and the federal laws of Canada applicable in it, with the courts of Ontario as the forum, as set out in the terms and conditions.
Can I get a copy of the terms as they stood on a particular date?
Ask at escrow@rbcpay.com, quoting the transaction the request relates to. Keeping your own copy at the time you agree is still the most reliable approach.
Read the terms before you transact
Both documents are short enough to read and dated so you know which version you have. If something in them is unclear, ask before you rely on it.
This page is a directory. It summarises where each document sits and does not itself form part of any agreement. The terms and conditions and the privacy policy are the operative documents, and nothing on this page is legal advice.