This section sets out the terms and conditions (these“Terms") of your access to https://www.payloco.com(the“Site", including all sub-pages on the Site, which are operated by PLO Technology US Limited(“Payloco") or where you may use or have access to the services provided by Payloco (the “Service"). lf you are an individual, you must be above eighteen (18) years old and competent to contract under the applicable laws to access or use the Service. lf you are a merchant or business, your business must be validly organisedand operating legally in the jurisdiction where Payloco has operation in order to use the Service. By accessino the Site, you are agreeing to these Terms.

We may amend these Terms at any time by posting an updated version. The updated version of these Termsshall take effect immediately upon posting. Each time you access the Site, you confrm that you agree to bebound by these Terms as may be amended from time to time. Unless otherwise indicated or the context requires otherwise, reference to “Payloco", “we", “us”or “our" inthese Terms include Payloco and its affliates, including CRZ technology HK Limited. that are involved inoroviding the Service, and such athliates are ioined as parties to these Terms with respect to the Service they provide..

You may use the Service to facilitate payments in connection with your online purchases for products olservices concluded on or through e-commerce websites, apps or other platforms. For the avoidance ofdoubt, Payloco doesn't provide payment service to you. Payloco provides technical support to payment methods or funding channels provided by the banks, e-wallet service providers or other payment serviceproviders with which you have opened account or registered services (“Your Payment Service Providers”Payloco is not acting as a trustee, fiduciary or escrow with respect to your funds and it does not have control of, nor liability for, the products or services that are paid for using the Service, including the provision, use orcondition of such products or services.

If you are using the Service on behalf of a company, partnership, association, government or other organization, you warrant that you are authorized to do so and that you are authorized to bind your organization to these Terms. in such circumstances, 'you' or 'user’ will include your organization.

You will use the Site in good faith and in compliance with all applicable laws and regulations. The informationand material you provide in connection with the use of the Site must be true, lawful and accurate, and is not false, misleading or deceptive.

You shall not use the Site to defraud Payloco, our affliates or other members or users, or service providersor engage in other unlawful activities (including without limitation dealing in products or services prohibitedby law). You shall not use the Site for any ilegal activities or in a manner that may result in complaints,disputes, claims, penalties or other liability to Payloco, other users or third parties or may be regarded as anabuse of the Site.

lf we, in our sole discretion, believe that you may have engaged in the above restricted activities, we may suspend or restrict your access to the Site.

Due to the nature of the internet, transactions conducted or messages sent through this Site may be subjectto interruption, transmission blackout, delayed transmission or incorrect data transmission. Under nocircumstances shall Payloco be held liable for any failure in the communication networks, or the accuracy ortimeliness of messages and transactions sent via the Site whatsoever.

The material displayed on the Site is provided without any guarantees, conditions or warranties as to itsaccuracy or completeness. Whilst we have taken care in preparing the content and information contained onthis Site, such content and information are provided "as is" without warranty of any kind, whether express orimplied. In particular, no warranty about non-infringement, security, accuracy, ftness for a purpose orabsence of computer viruses is given in connection with such content and information.

To the full extent permitted by law, Payloco and our affliates shall not be liable for any indirect,consequential, incidental, special or punitive damages, including without limitation damages for loss ofprofts or revenues, business interruption, loss of business opportunities, loss of data or loss of othereconomic interests, whether in contract, negligence, tort or otherwise, arising from your use of or inability touse the Site.

You agree that we may collect, hold, use and transfer your personal data in accordance with the Payloco Privacy Policy.

Any and all intellectual property rights associated with the Site https://www.payloco.com are the soleproperty of Payloco, our affliates or third parties.

We and other parties (as applicable) own the trademark, trade names, graphics, logos, icons and servicemarks (the “Trademark") that are used or displayed on this Site. You are not allowed to use any Trademark used or displayed on this Site without our or such other parties' prior written permission.

Materials on this Site are protected by copyright. You are not allowed to modify, reproduce, store in aretrieval system, transmit, copy or distribute these materials (or any part of them), or use them for creating derivative works or in any other way for commercial or public purposes without our prior written consent.

You may print off one copy, copy and may download extracts, of any pagels) from the Site for your persona reference and you may draw the attention of others within your organization to material posted on our Site.You must not modify the paper or digital copies of any materials you have printed off copied or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You must not use any part of the materials on the Site forcommercial purposes.

Payloco may establish general practices and limits concerning use of the Site. Payloco reserves the right to change, suspend, discontinue or restrict access to all or any part of the Site at any time. including hours ofoperation or availability of the Site or any Site feature, without notice and without liability.

You agree that all matters relating to your access to or use of the Site, including all disputes, will be governed by and construed in accordance with the laws of the US Special Administrative Region(“US”).

These Terms act as general policy which is applied to you in relation to the Service. in the event of any conflict between these Terms and other special policies issued by Payloco, the provisions of the other policies shall govern and control..

We process personal information that you provide to us in a number of ways, including:

We may also process your personal information from third-party sources as necessary for the provision of Payloco Service. We may obtain this information from your organisation, from public sources or third parties, depending on the relevant circumstances. For example, we may obtain certain personal information about you from:

Type of personal information

When you use our website or when we interact with you to provide Payloco Service or to receive services from you as a vendor, the personal information we receive, collect and process may include:

You may provide your personal information to us voluntarily. However, there are circumstances in which we may not be able to assist you, or an organization with which you are associated, unless you provide us with your personal information. For example, your personal information may be required for legally required compliance checks, for security and other reasons to allow you to access Payloco Service. In these cases, without the relevant personal information, we may be unable to assist you, and we would inform you that this is the case.

We do not knowingly collect personal information from or about children under the age of 18( or other age which is defined as “minor” under the applicable laws, same as follows). If you are under 18, please do not use Payloco Service or send any personal information about yourself to us. If we learn that we have collected personal information from a child under 18, we will delete that information as soon as possible. If you believe that a child under 18 may have provided us personal information, please contact as using details provided in section 8 below.

We may process your personal information in connection with any of the purposes set out above on one or more of the following legal grounds:

We will only share your personal information with third parties in the following circumstances:

The personal information we collect may be transferred to and stored outside of the country you use Payloco Service for the purposes specified in this Privacy Policy. For example, we store all of our data, including personal information, with the Cloud Service Provider.;

Any international transfers of your personal information will be made according to appropriate safeguards under the applicable laws and regulations. If you wish to enquire further about these safeguards used, please contact us using the details set out in section 8 of this Privacy Policy. We may transfer your personal information outside of the country where you use Payloco Service, and where we do so we will protect personal information as required by applicable laws.;

Your personal information will be retained only for as long as necessary for the purposes for which the information was collected, except where necessary to meet our legal obligations (for example, in relation to KYC/AML requirements) or to establish, exercise or defend potential legal claims or to pursue our legitimate interests.

Your rights will depend on the laws which apply to you and us, but you may have:

Where you have provided us with consent for the processing, you may be able to withdraw it. Please note that even after you have chosen to withdraw your consent, we may be able to continue to process your personal information to the extent required or otherwise permitted by law, in particular in connection with exercising and defending our legal rights or meeting our legal and regulatory obligations. To withdraw your consent or to exercise any of the rights above, if they are applicable, you should use our contact details set out in section 8 below.

We must ensure that your personal information we hold is accurate and up to date, where relevant. Therefore, please advise us of any changes to your information by emailing us.

We are concerned about safeguarding the confidentiality of your information. We employ administrative, physical and electronic measures designed to protect your Information from unauthorized access and use. Please be aware that no security measures that we take to protect your information are absolutely guaranteed to avoid unauthorized access or use of your information which is impenetrable.

We ask that you not send us, and you not disclose, any sensitive personal information (e.g., information related to your e-wallet password, credit or debit card password, racial or ethnic origin, political opinions, religion or other beliefs, health, sexual orientation, criminal background or membership in past organizations, including trade union memberships) through Payloco to us, unless such information is required by us for legal compliance checks, such as KYC/AML.

We may process your personal information in connection with any of the purposes set out above on one or more of the following legal grounds:

If you have any questions, complaints or comments about this Payloco Privacy Policy or our privacy practices, or to report any violations of the Payloco Privacy Policy, please contact us at: support@payloco.com.

We may revise this Payloco Privacy Policy from time to time to reflect any changes to the way how we process your personal information or changing legal requirements. The most current version of the policy will govern our use of your information. Please check back frequently to see any updates or changes. This Privacy Policy was last updated on the date provided at the top of this page.