Terms and Conditions Iron Markets Poland Sp. z o.o. KRS 0001140599 UL. SMARDZOWSKA 33B, 52-234 WROCŁAW, Poland Last Updated: January 15, 2025 AGREEMENT TO TERMS These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you,” “your,” or “Merchant”) and Iron Markets Poland Sp. z o.o. (“PayEvo,” “we,” “us,” or “our”), concerning your access to and use of the PayEvo website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the Site and you must discontinue use immediately. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of these Terms and Conditions, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms and Conditions to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms and Conditions by your continued use of the Site after the date such revised Terms and Conditions are posted. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Site is intended for users who are at least 18 years old or the age of majority in their jurisdiction. Persons under the age of 18 (or the applicable age of majority) are not permitted to register for or use the Site. USER REPRESENTATIONS By using the Site, you represent and warrant that: all Merchant registration information you submit will be true, accurate, current, and complete; you will maintain the accuracy of such information and promptly update us with any changes; you have the legal capacity and you agree to comply with these Terms and Conditions; you are not a minor in the jurisdiction in which you reside; you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; you will not use the Site for any illegal or unauthorized purpose; your use of the Site will not violate any applicable law or regulation, including but not limited to anti-money laundering (AML), know-your-customer (KYC), sanctions, or payment services regulations; your business is duly authorized to operate in the forex, igaming, or other high-risk sectors (as applicable), and you hold all necessary licenses and approvals. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site. USER REGISTRATION You and each individual team member that requires access to the system will be required to register with the Site. You agree to keep all team member passwords confidential and will be responsible for all use of your accounts and passwords. For additional security, we may require further measures including IP address whitelisting and two-factor authentication. PROVIDED SERVICES PayEvo is a payment technology platform that provides high-risk payment processing solutions, primarily facilitating fiat-to-crypto payments and settlements (such as USDT/USDC) for merchants in sectors including forex and igaming. Services are subject to underwriting, risk assessment, ongoing compliance with applicable laws, card network rules, and KYC/AML requirements. Not all businesses or jurisdictions are eligible. PayEvo is not a bank or financial institution and does not provide financial, legal, or investment advice. We may offer reporting & analytics, real-time transaction tracking, cross-border payment capabilities, and platform integrations. Specific service details, fees, and settlement terms will be set forth in a separate Merchant Agreement executed between you and us. AGREEMENT As part of your responsibilities for using the Site and Services, you agree that: You will keep your and your team members’ login(s) secure; All activity by individual team members will be tracked by the platform; Any settlement addresses, account details, or instructions provided by you are correct. We are not responsible for any loss resulting from incorrect information supplied by you; You will comply with all applicable KYC/AML, sanctions screening, and regulatory requirements; You will not use the Services for any prohibited or illegal activities. You acknowledge that payment processing in high-risk sectors involves elevated risks, including chargebacks, fraud, regulatory scrutiny, and potential service interruptions. You use the Services at your own risk. PROHIBITED ACTIVITIES You may not access or use the Site or Services for any purpose other than that for which we make them available. The Site and Services may not be used in connection with any commercial endeavors except those specifically endorsed or approved by us in writing. As a user of the Site, you agree not to: systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us, excepting reporting available from the system. circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein. engage in unauthorized framing of or linking to the Site. trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords; make improper use of our support services or submit false reports of abuse or misconduct. engage in any automated use of the system, such as using any data mining, robots, or similar data gathering and extraction tools. interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site. attempt to impersonate another user or person or use the username of another user. sell or otherwise transfer your profile. use any information obtained from the Site in order to harass, abuse, or harm another person. use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise. decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site. attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site. harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you. delete the copyright or other proprietary rights notice from any Content. copy or adapt the Site's software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site. upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”). except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software. disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site. use the Site in a manner inconsistent with any applicable laws or regulations. INTELLECTUAL PROPERTY RIGHTS Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of Poland, foreign jurisdictions, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks. THIRD-PARTY WEBSITES AND CONTENT The Site may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content”). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms and Conditions no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. SITE MANAGEMENT We reserve the right, but not the obligation, to: monitor the Site for violations of these Terms and Conditions; take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms and Conditions, including without limitation, reporting such user to law enforcement authorities; in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site. PRIVACY POLICY We care about data privacy and security. Please review our Privacy Policy [https://www.pay-evo.com/legal], which is based on applicable Polish and EU data protection laws (including GDPR). By using the Site, you agree to be bound by our Privacy Policy. COPYRIGHT INFRINGEMENTS / DMCA NOTICE AND POLICY TERM AND TERMINATION These Terms and Conditions shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS AND CONDITIONS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS AND CONDITIONS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE [YOUR ACCOUNT AND] ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress. MODIFICATIONS AND INTERRUPTIONS We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site. We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms and Conditions will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith. RISK MITIGATION AND LIABILITY LIMITATIONS No Guarantees PayEvo provides its services on an “as is” and “as available” basis without any express or implied guarantees, to the fullest extent permitted under applicable Polish and EU law. We do not guarantee uninterrupted or error-free operation of the platform, nor the accuracy, completeness, or timeliness of any information. High-risk payment processing is inherently subject to risks including, but not limited to, fraud, chargebacks, regulatory actions, and blockchain or banking delays. Limitation of Liability To the fullest extent permitted by law, PayEvo shall not be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, including loss of profits, revenue, goodwill, data, or use. Liability Cap Our total aggregate liability to you for any claims shall not exceed the total fees paid by you to PayEvo in the twelve (12) months immediately preceding the event giving rise to the claim. GOVERNING LAW These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws of Poland, without regard to its conflict of law principles. DISPUTE RESOLUTION Any disputes shall first attempt informal negotiation. Unresolved disputes shall be subject to the exclusive jurisdiction of the courts of Poland, located in Wrocław. CORRECTIONS / DISCLAIMER / LIMITATIONS OF LIABILITY / INDEMNIFICATION / USER DATA / ELECTRONIC COMMUNICATIONS / MISCELLANEOUS CONTACT US In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site or Services, please contact us at: legal@pay-evo.com.