VoIP-PAL.com, Inc. is a broadband Voice over Internet Protocol (VoIP) telecom company, which engages in the acquisition and development of VoIP-related intellectual properties. It offers proprietary transactional billing platform tailored to the points and air mile business, as well as provides anti-virus applications for smart phones. The company was founded by Francis Assif and Emil Malak in September 1997 and is headquartered in Waco, TX.