GEOBLOCKING POLICY

HELPEX PAY LTD.

Last Updated: 7 November 2026

Legal entity

Helpex Pay Ltd.

Company number

BC1594027

FINTRAC MSB registration

N300001747

Registered address

2120-580 Seaborne Avenue, Port Coquitlam, British Columbia, Canada, V3B 0M3

This Geoblocking Policy (the “Policy”) describes the geographic restrictions that apply to the website https://helpex.exchange (the “Website”) and the exchange-related services provided by Helpex Pay Ltd. (“Helpex”, “we”, “us” or “our”). It should be read together with our Terms & Conditions and other applicable policies.

1. PURPOSE AND SCOPE

Helpex provides cryptocurrency-to-fiat, fiat-to-cryptocurrency and cryptocurrency-to-cryptocurrency exchange facilitation services through an intermediary and over-the-counter transaction model. The Services are not available in every country or territory.

This Policy explains the circumstances in which access to the Website or Services may be restricted or refused based on a Customer's location, residence, establishment, nationality where relevant to applicable restrictions, the location of a transaction, or other geographic factors.

This Policy applies to all visitors, prospective customers and Customers, including individuals and legal entities, to the extent relevant.

2. GENERAL AVAILABILITY OF THE SERVICES

Helpex offers the Services only in jurisdictions where it has determined that it may lawfully provide them and where its banking, payment, liquidity and other service providers are prepared to support the relevant activity.

The fact that the Website can be accessed from a particular country does not mean that Helpex is permitted to provide Services to persons located, resident or established there. The availability of a particular currency, payment method, virtual currency or transaction type may also vary by jurisdiction.

Helpex may restrict or refuse access to the Website or Services where necessary or appropriate to comply with applicable laws, regulatory requirements, sanctions, contractual obligations, or the requirements and risk controls of its service providers.

3. RESTRICTED JURISDICTIONS

The Services are not offered to persons located in, resident in, incorporated in, established in, or otherwise connected with the following categories of jurisdictions or territories, where the relevant restriction applies:

• The United Kingdom (UK), including persons located in the UK or otherwise subject to UK restrictions applicable to the Services;
• countries, territories or regions subject to comprehensive sanctions or other restrictive measures applicable to Helpex, including measures imposed or administered by Canada, the United Nations or other sanctions authorities whose measures Helpex is required or determines to observe;
• jurisdictions in which the provision, receipt, marketing or use of the Services would be unlawful, would require an authorization that Helpex does not hold, or would expose Helpex or its service providers to a material legal or regulatory risk;
• jurisdictions that Helpex's banks, payment providers, liquidity providers or other counterparties do not support or have designated as restricted; and
• any additional jurisdiction or territory that Helpex designates as restricted from time to time for legal, regulatory, sanctions, operational or risk-management reasons.

The categories above are descriptive and are not intended to be an exhaustive country-by-country list. Restrictions may apply to a person, entity, transaction, wallet, payment route or beneficial owner even if the relevant country or territory is not expressly named in this Policy.

Helpex may maintain and update internal geographic eligibility controls and may provide additional country-specific information where appropriate. The absence of a country from a public list does not constitute confirmation that the Services are available there.

4. WHO MAY BE RESTRICTED

A geographic restriction may apply where a Customer or relevant person:

• is physically located in a restricted jurisdiction when accessing or attempting to use the Services;
• is ordinarily resident, incorporated, registered or established in a restricted jurisdiction;
• is acting for or on behalf of a person or entity located, resident or established in a restricted jurisdiction;
• is owned or controlled, directly or indirectly, by a person or entity subject to applicable sanctions or other restrictions;
• uses a bank account, payment instrument, wallet, IP address or other transaction connection associated with a restricted jurisdiction; or
• attempts to route, structure or conceal a transaction to avoid geographic or sanctions restrictions.

Helpex may assess the relevant circumstances as a whole. A Customer's physical location, residence, place of incorporation, beneficial ownership, source or destination of funds and transaction counterparties may each be relevant.

5. HOW GEOGRAPHIC RESTRICTIONS MAY BE APPLIED

Helpex may use reasonable measures to identify and enforce geographic restrictions, including:

• IP address and approximate location checks;
• identity, address and business verification information;
• payment account, bank, wallet and transaction information;
• sanctions and other legally relevant screening;
• information received from banks, payment providers, liquidity providers and other service providers; and
• additional checks where information is inconsistent, incomplete or indicates a possible attempt to circumvent a restriction.

Geolocation information may be inaccurate or incomplete. Where the apparent location cannot be reliably established, Helpex may request additional information or documents to verify the Customer’s eligibility.

6. ACCURATE INFORMATION AND PROHIBITION ON EVADING RESTRICTIONS

Customers must not provide a false address, use a nominee or third-party account, submit misleading identity or residence information, or otherwise misrepresent their actual location, residence, establishment, ownership or control, or deliberately evade a restriction under this Policy.

Customers must not submit an Order or arrange a payment or virtual currency transfer on behalf of a person or entity that is not eligible to use the Services.

Any attempt to evade geographic, sanctions or other eligibility controls may result in refusal, suspension or termination of access, cancellation or delay of an Order, enhanced verification, or other action permitted or required by applicable law.

7. ORDERS, FUNDS AND TRANSACTIONS AFFECTED BY A RESTRICTION

If Helpex identifies that a Customer, Order or transaction may be connected with a restricted jurisdiction or otherwise prohibited activity, Helpex may, to the extent permitted or required by applicable law:

• decline to onboard the Customer or refuse to provide the Services;
• decline, suspend, delay or cancel an Order that has not been executed;
• request additional information or documents to establish the Customer's eligibility or the source, destination or purpose of Funds;
• restrict access to some or all Website features or Services;
• return Funds where return is legally and operationally permissible; or
• retain, freeze, block or otherwise restrict Funds or assets where required or permitted by applicable sanctions, court orders, regulatory directions or other legal requirements.

Helpex will not be required to return or transfer Funds where doing so would violate applicable law or a binding direction of a competent authority. Any return will be handled in accordance with the Terms & Conditions and applicable legal, banking and compliance requirements.

Where disclosure is restricted by law, Helpex may be unable to explain the details of a restriction, investigation, report or decision.

8. CHANGES TO RESTRICTED JURISDICTIONS

Helpex may add, remove or amend geographic restrictions at any time where it considers this necessary or appropriate in light of changes in applicable laws, sanctions, regulatory guidance, service-provider requirements, operational circumstances or risk assessments.

Changes may take effect immediately where required to comply with law, sanctions or a direction from a competent authority. The current version of this Policy will be published on the Website. Customers should review it periodically.

9. CUSTOMER RESPONSIBILITIES

Each Customer is responsible for:

• providing accurate and up-to-date information about their location, residence, place of establishment, ownership and control;
• informing Helpex promptly if any information relevant to geographic eligibility changes;
• ensuring that they are legally permitted to access and use the Services in their jurisdiction;
• not using the Services for or on behalf of a restricted person or entity; and
• complying with applicable sanctions, export controls and other laws relevant to their use of the Services.

Helpex's decision to allow access to the Website or to process an Order does not constitute legal advice or a representation that the Customer's use of the Services is lawful in the Customer's jurisdiction.

10. NO GUARANTEE OF ACCESS

Helpex does not guarantee uninterrupted access to the Website or Services from any location. Geographic restrictions may be applied automatically or manually and may result in temporary or permanent limitations. Helpex may rely on information from third parties when assessing geographic eligibility.

11. RELATIONSHIP WITH OTHER POLICIES

This Policy forms part of the framework governing access to the Services and should be read together with the Terms & Conditions, Privacy Policy, Risk Disclosure Notice and other policies published by Helpex. If there is a conflict, applicable law will prevail. The Terms & Conditions govern the contractual handling of Orders and Funds, subject to this Policy and applicable law.

12. CONTACT INFORMATION

For general questions about geographic eligibility or this Policy, contact:

Helpex Pay Ltd.

Email: help@helpex.exchange

Website: https://helpex.exchange

Address: 2120-580 Seaborne Avenue, Port Coquitlam, British Columbia, Canada, V3B 0M3

Company Registration Number: BC1594027

FINTRAC MSB Registration Number: N300001747

END OF GEOBLOCKING POLICY