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Service Disclaimer for Canadian ATM Brokerage Inc.

Who We Are

1. Company Overview

Canadian ATM Brokerage Inc. ("we," "us," "our," or the "Company") is a Canadian strategic advisory and brokerage firm specializing in the ATM industry. Our team brings over 75 years of collective experience in business transitions, operational excellence, and regulatory compliance across numerous Canadian sectors, including money‑handling businesses, casinos, gambling operations, and Crown Corporations.

Registered Business Addresses:

  1. 4831 Nelson Rd. NW, Calgary, AB, T2K 2M1, Canada

  2. Telus Sky Tower, 685 Centre Street South, Calgary, AB, T2G 2C7, Canada

Privacy Contact: privacy@atmbrokerage.ca

2. Professional Qualifications

  1. Certified specialists (PMP, CCMP, MBA) with extensive industry experience;

  2. Deep expertise in FINTRAC Money Services Business (MSB) regulations and AML program development;

  3. Proven track record with money‑handling businesses, casinos, and gambling operations;

  4. Experience advising Crown Corporations in regulated financial environments;

  5. Comprehensive understanding of ATM operations and market dynamics;

  6. Established network of acquisition specialists, legal counsel, and compliance experts.

3. Current Regulatory Status

  1. Pursuing FINTRAC MSB certification to enhance advisory capabilities;

  2. Enrolled in AML and money services reporting certifications through CAMLI;

  3. Fully compliant with federal (PIPEDA, PCMLTFA, CASL) and provincial (PIPA) legislation;

  4. Adherence to professional service standards and industry best practices.

4. Professional Development

  1. Foundations of AML Compliance Management Certificate (CAMLI);

  2. CAMLI Practicing Associate (CAMLI‑PA) designation;

  3. Compliance Officer 101 foundational training;

  4. Ongoing education in regulatory changes and best practices.

5. What We Are NOT

  1. We are not licensed business brokers in Ontario or Quebec;

  2. We do not provide certified business valuations;

  3. We do not offer legal, financial, or investment advice;

  4. We do not guarantee transaction completion or outcomes;

  5. We do not act as fiduciaries or hold client funds;

  6. We do not offer tax preparation or accounting services.

Our Dual-Jurisdiction Service Model

6. Direct Advisory & Brokerage Services (Non‑ON/QC)

We deliver a comprehensive 9-step advisory and brokerage methodology:

  1. Strategic Consultation & Assessment: Evaluate objectives and FINTRAC compliance timelines;

  2. Business Assessment: Route analysis, equipment inventory, contracts, and compliance readiness;

  3. Market Positioning Strategy: Develop competitive business presentations;

  4. Documentation & Compliance Review: Prepare due diligence and regulatory materials;

  5. Professional Network Engagement: Coordinate with acquisition specialists;

  6. Structured Introductions & Negotiations: Facilitate buyer discussions;

  7. Due Diligence Coordination: Liaise with legal, valuation, and compliance experts;

  8. Transaction Structuring & Documentation: Work with legal professionals;

  9. Closing Coordination & Transition: Manage filings, transfers, and post‑closing support.

Service Scope:

  • Strategic business advisory and transaction facilitation;

  • Regulatory compliance consulting and FINTRAC readiness;

  • Professional network coordination and referrals;

  • End-to-end transaction support;

  • Operational excellence consulting.

7. Lead Generation Services (Ontario & Quebec)

Why This Model:

  • Ontario requires Business Brokers Act licensing;

  • Quebec mandates licensed intermediaries.

6‑Step Process:

  1. Initial intake and screening;

  2. Business summary preparation (1–2 pages);

  3. Client approval before distribution;

  4. Referral to licensed brokers;

  5. Access to pre‑qualified buyers;

  6. Ongoing communication coordination.

Scope:

  • Qualified buyer introductions;

  • Licensed broker referrals;

  • Professional networking within provincial constraints;

  • General business guidance.

8. Cross‑Border Buyer Facilitation (Enhanced)

  1. Enhanced Due Diligence: International buyer vetting, sanctions screening, compliance coordination;

  2. Required Documentation: NDAs with Canadian‑equivalent privacy safeguards, consents for cross‑border processing;

  3. Additional Fees: CAD 15,000+ retainer; +1% success‑fee uplift.

Compensation and Fee Structure Transparency

9. Direct Advisory & Brokerage Fees (Non‑ON/QC)

  • Retainer: CAD 5,000–35,000 (5–500 ATMs); CAD 55,000+ (>500 ATMs);

  • Cross‑Border Enhancement: Additional CAD 15,000+;

  • Success Fees: 6%–8% of final transaction value (+1% international).

Retainer Crediting: Retainers fully credit against success fees.

10. Lead Generation Fees (Ontario/Quebec)

  • No Upfront Costs: Sellers pay nothing until closing;

  • Referral Fee: CAD 1,500 per qualified lead (paid by buyers);

  • Success Fees: 1.0% seller + 1.0% buyer.

11. Consulting Fees

  • Billing: Separate engagement agreements;

  • Rates: $200–$400 per hour or fixed project fees;

  • Retainers: Available for ongoing support.

Data Collection, Privacy, and Geographic Scope

12. Privacy Framework

  • Data Collected: Contact, business, compliance, and scheduling information per our Privacy Policy;

  • Sharing: Only with client consent for direct advisory, lead generation, and cross-border processing;

  • Retention: 2–3 years for active clients; 7 years for completed transactions;

  • Deletion: Secure procedures for expired data.

13. Service Availability by Province

  • Direct Services: AB, BC, SK, MB, NB, NS, PE, NL, NT, NU, YT;

  • Lead Generation Only: ON, QC;

  • Cross‑Border Facilitation: Available nationwide with enhanced controls.

Regulatory Compliance and Professional Standards

14. Legal Compliance

  • Federal: PIPEDA, CASL, PCMLTFA, Competition Act;

  • Provincial: PIPA (AB), Business Brokers Act (ON), Quebec intermediary regulations;

  • Professional standards: Transparency, ethics, continuous development.

15. FINTRAC & AML Expertise

  • In-depth MSB and AML program development;

  • Engagement with CAMLI for advanced certifications;

  • Regulatory transition planning for October 1, 2025.

16. Professional Consultation Requirements

We recommend consulting qualified professionals for legal, financial, tax, and regulatory matters, including licensed attorneys, CPAs, valuators, and compliance specialists.

Limitation of Liability and Disclaimers

17. Disclaimers

  • Services “as is” with no guarantees on transactions, valuations, or market conditions;

  • Educational content for general purposes only;

  • Technology and website provided without warranties of uninterrupted access.

18. Liability Cap

Our total liability is limited to fees paid in the 12 months preceding any claim. We disclaim all indirect, special, or consequential damages.

19. Force Majeure

Not liable for delays or failures due to events beyond our control (disasters, regulatory changes, outages, etc.).

Contact Information and Support

20. Primary Contact

  • Email: privacy@atmbrokerage.ca;

  • Hours: Mon–Fri, 9 AM–5 PM MST;

  • Response: 2 business days (general), 1 day (urgent).

21. Regulatory Contacts

  • Alberta OIPC: Suite 2460, 801 6 Ave SW, Calgary, AB T2P 3W2 | (403) 297‑2728;

  • OPC Canada: 30 Victoria St., Gatineau, QC K1A 1H3 | 1‑800‑282‑1376.

Acknowledgment and Acceptance

By using our services or website, you confirm that you have read, understood, and agree to this Disclaimer and related policies.

Version: 2.0 – Dual‑Jurisdiction Model
Effective Date: July 9, 2025
© 2025 Canadian ATM Brokerage Inc. All rights reserved.

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