Terms of Use

Last updated: August 22, 2025

These Terms of Use (“Terms”) govern your relationship with the Fillip mobile application, the web-based portal, and prepaid fleet fuel card services, including the Circle K Pro card delivered by Fillip (the “Service”), operated by Fillip Fleet Inc. (“Fillip”, “us”, “we”, or “our”). Please read these Terms carefully before using our Service. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

Accounts 

You must provide accurate, complete, and current information when creating an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately if you suspect unauthorized use.

Purchases and Prepaid Balances

When you load funds into your Fillip account or use your prepaid fleet fuel card, you authorize us to process transactions through our banking partners and payment networks. Purchases are subject to real-time authorization and may be declined if suspicious or not permitted under your account’s spend controls.

Safeguarding of Funds 

Funds that you load into your Fillip account are safeguarded in a trust account held with the issuing bank in accordance with Canadian regulatory requirements under the Retail Payment Activities Act (RPAA). These funds are legally segregated from Fillip Fleet Inc.’s operating accounts and are held for your benefit. In the unlikely event of Fillip Fleet Inc.’s insolvency, your funds remain protected and available for settlement or refund to you.

Regulatory Compliance

Fillip Fleet Inc. operates as a payment service provider under Canadian law, including the RPAA. We comply with requirements for safeguarding funds, operational risk management, and reporting obligations. We also adhere to applicable anti-money laundering (AML) and counter-terrorist financing (CTF) requirements under FINTRAC.

User Responsibilities 

  • The Fillip card and account must be used only for authorized business purposes, primarily the purchase of fuel and related fleet expenses.

  • You may not use the card or account for cash advances, unlawful transactions, or personal use.

  • Lost or stolen cards, or unauthorized use, must be reported immediately.

  • You are responsible for ensuring compliance with company-level policies when authorizing employees to use the Service.

Spend Controls & Transaction Monitoring

Fillip may apply spend controls and merchant restrictions to your account, including:

  • Per-transaction and daily spending limits.

  • Restrictions to permitted merchant categories (e.g., fuel stations).

  • Real-time monitoring of transactions for fraud prevention.

  • Transactions may be flagged or declined if they fall outside expected usage.

Refunds and Balances 

Except where required by law, sales are non-refundable. Prepaid balances remain the property of the business account holder until spent. Upon request and subject to verification, unused balances may be refunded to the business account holder.

Termination and Unclaimed Balances 

We may suspend or terminate your account for breach of these Terms or suspected unlawful activity. Upon termination:

  • Remaining prepaid funds will be returned to the business account holder, subject to legal requirements.

  • Inactive accounts may be subject to unclaimed property laws, and balances may be remitted to the applicable authority in accordance with provincial requirements.

Dispute Resolution 

If you believe there has been an error or unauthorized charge, contact us immediately. We will investigate disputes in good faith and work with our banking partners and merchants to resolve them. You must notify us of disputes within [60 days] of the transaction date.

Privacy & Data Use 

We collect and share transaction information with our banking partners, payment networks, and regulators to process payments and comply with legal obligations. Transaction-level data may also be used for analytics and reporting to improve the Service, consistent with our Privacy Policy.

Intellectual Property 

The Service and its contents, including trademarks, are the property of Fillip Fleet Inc. or its licensors. You may not use our intellectual property without prior written consent. 

Limitation of Liability 

To the fullest extent permitted by law, Fillip Fleet Inc., its directors, employees, and affiliates are not liable for indirect, incidental, or consequential damages arising from your use of the Service, except where liability cannot be excluded by law.

Governing Law 

These Terms are governed by the laws of Alberta and Canada. Any disputes shall be resolved in the courts of Alberta.

Changes 

We may update these Terms from time to time. If changes are material, we will provide at least 30 days’ notice before they take effect. By continuing to use the Service after changes become effective, you agree to be bound by the revised Terms.

Contact Us 

If you have any questions, please contact us at 1-866-577-1125 or circlekpro@fillipfleet.com.