Payine is a trading name of BeAccount Ltd, a company incorporated in the United Kingdom with company number 12600349, registered office address at: One Canada Square, Canary Wharf, London, England, E14 5AB. BeAccount is an authorised and regulated Electronic Money Institution by the Financial Conduct Authority under reference number 937539. BeAccount requires that all users of the internet website “www.payine.com” (the “Website” or the “Site”) adhere to the following Terms of Use.

By using this website, you are indicating your acceptance and acknowledgement of the following Terms of Use. Carefully read all the following Terms of Use.

ELIGIBILTY REQUIREMENTS

We offer services only to persons who are of legal age. By registering on our website, you agree to these terms and conditions, and you warrant and represent that you are over the age of 18. Eligibility in using the offered services is subject to successful identity and residency verification.

LAWS AND REGULATIONS

User access to and use of the Site is subject to all applicable international, provincial, and local laws and regulations as applicable to BeAccount hosting the site and the user’s jurisdiction of origin.

OWNERSHIP AND COPYRIGHT

Any and all information, content, reports, data, graphics, interfaces, web pages, text, files, software, product names, company names, trademarks, logos, and trade names contained on the Site (collectively the “Content”) including the manner in which the Content is presented or appears and all information relating thereto, are the property of their respective owners, as indicated, BeAccount, as the case may be.

NO WARRANTIES

All content on the site is provided to you “as is” without warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security, or accuracy. This website and its content are not to be construed as an offer to sell any product or services. BeAccount does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the site by any party other than BeAccount, other than as required under applicable law. Under no circumstance will BeAccount be liable for any loss or damage caused by a user’s reliance on information obtained through the site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any opinion, advice or other content available through the site. The content is provided for educational and informational purposes only and should not be interpreted as a recommendation for any specific product or service, use or course of action. The content on this website is not intended to be used as a substitute of any kind for professional advice. You should not act or rely on any of the content without seeking advice of a qualified professional.

LIMITATION OF LIABILITY

In no event will BeAccount, its affiliates, suppliers, or their respective directors, officers or employees be liable for any special, indirect, incidental, punitive, exemplary, economic, or consequential damages, howsoever caused including but not limited to damages for loss of use, lost profits or lost savings, even if BeAccount or any of its lawful agents of employees have been advised of the possibility of such damage or claim.

In no event will BeAccount, its affiliates, suppliers, or their respective directors, officers or employees, be liable for damages or losses resulting from viruses, data corruption, failed messages, transmission errors or other problems, links to third-party websites, personal injury, third-party content, products or services, damages or losses caused by you or your employees, agents or subcontractors, loss of use, the use or inability to use this website or the content, any other website accessed to or from this website; or events beyond the reasonable control of BeAccount, even if BeAccount or any of its lawful agents, or employees have been advised of the possibility of such damage or claim.

The content on this site may be changed without notice to you. The company disclaims any liability for unauthorized use or reproduction of any portion of this website.

CONFIDENTIALITY OF USER COMMUNICATIONS

As required by law and in accordance with the BeAccount Privacy Statement, BeAccount will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to BeAccount. Postings by a user on any message board or in any chat room will not be protected as confidential and BeAccount may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its affiliates for any purpose whatsoever and as deemed appropriate by BeAccount.

LINKED INTERNET SITES

BeAccount prohibits caching, hypertext linking pop-ups to the Site, and the framing of any Content available through the Site without written authorization. BeAccount reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user’s own risk.

LINKS TO THIRD-PARTY SITES

This site may contain links to other sites owned and operated by third parties (“Third- Party Sites”) and are not maintained or operated by BeAccount or any of its affiliates (collectively “BeAccount”). However, even if such third parties are affiliated with BeAccount, BeAccount has no control over these linked Third-Party Sites. These Third-Party Sites have their own independent privacy and data collection practices and legal policies which are separate from BeAccount. BeAccount is not responsible for the contents of any linked Third-Party Sites and does not make any representations regarding the content or accuracy of material on such sites. Viewing these Third-Party Sites is entirely at your own risk.