Risk Disclosure
Version 1.9. Effective July 2025. Last updated July 2025. Business customers should read and understand these risks before using OrbitLink Pay services.
1. Nature of the platformOpen by default
OrbitLink Pay provides cross-border payment services for business customers. OrbitLink Pay itself is not a bank or deposit-taking institution.
ORBITAL TECHNOLOGIES LTD has registered with FinCEN in the United States as a Money Services Business under registration number 31000305990729, and OrbitLink Pay has completed FINTRAC MSB registration in Canada.
OrbitLink Pay has not yet established a formal fund-custody relationship with any licensed U.S. bank.
2. Key risksClick to review
Fund custody risk: customer funds are currently processed through existing compliant payment channels and are not yet held through direct bank-grade custody. Customer funds may be exposed to counterparty risk, operational risk, and other potential loss risks. OrbitLink Pay cannot guarantee that customer funds will be free from loss in all circumstances.
Regulatory and compliance risk: payment services are strictly regulated in the United States, Canada, and other relevant jurisdictions. Regulatory changes may reduce service availability, increase costs, restrict business activity, interrupt services, or cause other adverse consequences.
Cross-border payment operational risk: cross-border payments involve multiple banks, clearing institutions, and regulatory review steps. Transactions may be delayed, rejected, returned with difficulty, subject to uncertain settlement timing, or affected by other exceptions. OrbitLink Pay does not guarantee any specific timing, result, or success rate.
Technology and security risk: although OrbitLink Pay adopts certain security measures, cyberattacks, technical failures, system interruptions, third-party service failures, or other unforeseeable events may still cause service exceptions, interruptions, or data security issues. Such events cannot be completely eliminated.
Other external risks: exchange-rate volatility, macroeconomic changes, geopolitical events, regulatory changes, and other external factors may adversely affect payment activity. Customers are responsible for evaluating and bearing all related risks.
3. Compliance-related statementClick to review
OrbitLink Pay has established anti-money laundering and customer identity verification policies and transaction monitoring mechanisms.
Specific compliance measures and implementation practices are described in the separately published AML and KYC Policy.
4. DisclaimerClick to review
To the maximum extent permitted by law, OrbitLink Pay is not liable for any direct loss, indirect loss, incidental loss, loss of profit, data loss, or any other type of loss arising from use of the platform services.
OrbitLink Pay does not provide any guarantee of fund safety, transaction success, service continuity, or any other form of guarantee. Customers should independently assess all risks of using the platform services and bear the corresponding consequences.
5. Updates to this disclosureClick to review
This Risk Disclosure will be reviewed and updated according to business development and regulatory requirements. Customers should review the latest version regularly.