Under the myxpay General Terms, you confirmed that you will not use the myxpay service in connection with the following businesses or business activities. The following list is representative but not exhaustive.

Mortgage, Debt and Credit services

Mortgage/loan consulting, debt reduction, credit counseling or repair, pay day lenders

Money and Financial Services

Money services businesses, money transmitters, check cashing, wire transfers, money orders, currency exchanges or dealers, bail bonds, collections agencies, payment aggregator

Virtual Currency and Quasi-Cash

Businesses operating as brokers, dealers, ex-changers, miners,or processors of virtual/digital currency transactions, video game or virtual world credits

Gambling

Any activities related to the provision of gambling services (inquire please)

Regulated Products and Services

Internet/telephone/mail order sale of tobacco, e-cigarettes & e-liquid, online pharmacies, age restricted goods or services, guns, weapons and munitions, fireworks and other explosives

Get Rich Quick Schemes

Investment opportunities or services that promise high rewards

High-Risk Businesses

Lifetime memberships or guarantees, detective agencies, occult services, psychic services, gold, diamonds and precious metals dealers, travel reservation services, pseudo-pharmaceuticals and streaming services

Multi-Level Marketing

Pyramid schemes, network marketing, referral marketing, affiliate marketing

Adult Content and Services

Pornography, obscene materials, sex related services, dating or marriage services

Drug Paraphernalia and related products

Retail sales for the purpose of production and/or distribution of illegal substances or services, substances designed to mimic illegal drugs

Marijuana

Counterfeit/unauthorized goods, intellectual property or proprietary rights infringement

Practices inconsistent with intended use or otherwise prohibited by the General Terms & Conditions

MYXPAY ELECTRONIC FUNDS TRANSFER AGREEMENT & DISCLOSURES & ERROR RESOLUTION NOTICE

Electronic Funds Transfer Agreement and Disclosures

This electronic funds transfer (“EFT”) agreement and disclosure (“EFT Agreement”) is made in compliance with US federal law regulating EFT services. All capitalized terms not defined in this EFT Agreement have the meanings given to them in the myxpay General Terms.

This EFT Agreement applies to you if you are, or if you are acting on behalf of, an individual who is using the myxpay Service for personal, family or household purposes. This EFT Agreement does not apply to any electronic transfers initiated through the myxpay Service to or from a business bank account, or for a commercial purpose. If this EFT Agreement applies to you, by continuing to use or interact with the myxpay Service after receiving a copy of this EFT Agreement, you are consenting to and accepting the terms of this EFT Agreement.

(a) Your Liability for Unauthorized Transfers Made Through Your myxpay Account

Through the myxpay Service and using your myxpay Login Credentials, you may initiate EFT payment transactions to and from your linked accounts through the ACH Network.

An “unauthorized transfer” occurs when an EFT payment is made through your myxpay account or using your myxpay Login Credentials, and you neither authorized that payment nor benefited from the payment. As an example: if someone steals your myxpay Login Credentials and uses those Login Credentials to access your myxpay account and send an EFT payment without your permission, that transfer is unauthorized. Please note, however, that an unauthorized transfer will not have occurred if you give someone access to your myxpay Login Credentials, even if that person uses your Login Credentials without your permission, unless you previously notified myxpay that you shared your credentials with someone who isn’t authorized to use your account so that we could take appropriate action.

To help you protect yourself against unauthorized activity and monitor your account and transactions in real time, we provide you with a full transaction history for your account that can be accessed at any time from any device through your myxpay account. This transaction history includes: the amount, date and type of each payment made through your account; the payment account(s) used; and information about the payor and payee. The transaction history will also provide you with our contact information in case you have any questions or concerns about a transaction. We recommend that you regularly log in to your myxpay account to review your transaction history.

You must TELL US AT ONCE if you believe your Login Credentials have been lost or stolen, or your myxpay account has been otherwise compromised, or if you believe that an unauthorized transfer has been made from your account.

If you tell us within 3 calendar days after you learn of the loss or theft of your Login Credentials or of the compromise of your myxpay account, you can lose no more than $100 if someone used your Login Credentials or account without your permission.

If you do NOT tell us within 3 calendar days after you learn of the loss or theft of your Login Credentials or of the compromise of your myxpay account, and we can prove we could have stopped someone from using your Login Credentials or myxpay account if you had told us within 2 calendar days, you could lose as much as $500. If you tell us AFTER the 3 calendar days, we will do our best to help resolve any issues you have, but we cannot make any promises of a full recovery.

(b) Who to Contact for Unauthorized Transfers or Other Concerns

If you believe that your myxpay Login Credentials have been lost, stolen, or otherwise compromised, or you believe there may be an unauthorized transfer on your myxpay account, you must contact us IMMEDIATELYthrough our customer support portal.

(c) Our Business Hours

For purposes of these disclosures, our business days are Monday through Friday, 9 - 5 pm (GMT +5). Holidays are not included.

(d) Transfer Types and Limitations

• Account access. You may use your Login Credentials and the myxpay Service as provided in our General Terms.
• We may limit the frequency and available of transfers as provided in our General Terms.
• We may limit the dollar amount of transfers, on a per transaction or cumulative basis, as provided in our General Terms.

(e) Fees

• Per transfer charge. We will charge you a transaction fee for each EFT you make using the myxpay Service. Information on transaction fees is available here.

(f) Confidentiality

We will disclose information to third parties about your account or the EFTs you make:

• Where it is necessary for completing transfers, or
• In order to verify the existence and condition of your account for a third party, or
• Where legally necessary, in order to comply with a government agency or court orders, or
• As otherwise provided in our Privacy Policy, or
• If you give us your written permission.

(g) Transaction History

You will get a full transaction history for your account that can be accessed at any time from any device through your myxpay account.

Error Resolution Notice

For purposes of this EFT Agreement, an error includes the following:

• An unauthorised transfer
• You send a payment through the myxpay Service and an incorrect amount is debited from your account
• You receive a payment through the myxpay Service and an incorrect amount is credited to your account
• An EFT payment does not appear in your myxpay account transaction history
• An EFT payment does not appear correctly in your myxpay account transaction history
• Your request for information about your account related to an EFT transaction(s), including for information needed to determine whether an error has occurred
• An inquiry into the status of a pending EFT payment transaction
• You request account or transaction documentation related to an EFT payment documentation, other than a request for a duplicate copy, a request for tax or record-keeping purposes

An error does not include the following:

• A routine inquiry about your myxpay account balance
• Your request for account or transaction documentation related to an EFT payment documentation if that request is for a duplicate copy, for tax or record-keeping purposes

If you believe there is an unauthorised transfer or other error on your myxpay account, or if you need more information about your account to determine if there is an unauthorised transfer or other error on your account, contact us through our customer support portal AS SOON AS YOU CAN. We must hear from you no later than 30 days after the transfer or error posted to the payment history on your myxpay account.

We will investigate and, where appropriate, resolve any suspected error that you report within 30 days of the error posting to your myxpay account. We may also investigate and/or resolve suspected errors that are reported after 30 days of posting to your myxpay account, in our sole discretion.

When you contact us, be prepared, if possible, to:

• Tell us your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the currency amount of the suspected error.

We require that you send us your complaint in writing.We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.For errors involving new accounts or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.We will tell you the results within three (3) business days after completing our investigation. If we decided that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Notice on Billing and Payment Services Cut-Offs

Cut-off time to cancel a bill payment

The following cut-off times apply to Bank Transfers (ePayment/ACH). and check payments.

Payments scheduled before 3:00 pm (GMT +5) on a banking day before the process date can be canceled up to 4:00 pm (GMT+5) on the banking day before the process date.

• Example: If scheduling a payment on a Monday at 2:59 PM (GMT+5) with a Tuesday process date, the payment can be canceled up to 4:00 PM (GMT +5) on Monday

Payments scheduled after 3 pm (GMT+5) the banking day before the process date can be canceled before 6 pm (GMT+5) on the banking day before the process date

• Example: If scheduling a payment on a Monday at 3:01 pm (GMT+5) with a Tuesday process date, the payment can be canceled up to 6 pm (GMT+5) on Monday

Cut-off time to void a bill payment Cut-off time for bank transfers (ePayments)

A bank transfer can be voided after 1 am (GMT+5) on the process date and before 1 pm (GMT+5) on the banking day before the deposit date (no action can be taken between 2 pm (GMT+5) on the banking day before the process date and 1 am (GMT+5) on the Process date).

Voiding the bank transfer will not prevent the debit from your bank account.

myxpay Electronic Communications Disclosure

CONSENT TO ELECTRONIC DELIVERY OF COMMUNICATIONS AND USE OF ELECTRONIC SIGNATURES

This E-SIGN Disclosure and Consent (“Consent”) allows myxpay, on behalf of itself, its owners, affiliates and any service providers (“mypay” or “We”), to provide you (“You” or “Your”) with electronic versions of communications, notices, agreements, statements, or disclosures (“Communications”) associated with Your myxpay account or Your use of or interactions with myxpay’s products, services, or other offerings (collectively, the “Service”).

By enrolling in or using the Service, You are agreeing to this Consent and that myxpay may, in its sole discretion, send You Communications electronically by email, text, or by making them accessible via the myxpay websites or applications.

All Communications provided electronically to You under this Consent will be considered to have been provided “in writing”.Communications covered by this Consent include, but are not limited to: (1) agreements, disclosures, policies and notices related to Your myxpay account or Your use of the Service (such as myxpay’s General Terms, Privacy Policy and Acceptable Use Policy), (2) myxpay payment or transaction records, (3) account statements and history, and (4) any disclosure or notice required under applicable jurisdictional laws, state, federal or local law to be provided “in writing”.

This Consent also allows myxpay to use electronic signatures and obtain them from You.

Electronic Delivery of Documents: System Requirements

Electronic Communications may be sent to You by email, text, or may be made available on the myxpay websites or applications, as permitted by law. By providing Your consent here, You are confirming that You have access to the computer hardware and software needed to access these electronic

Communications, including but not limited to:

• An internet-ready device (including a computer, tablet, mobile phone, or other similar device),
• A reliable connection to the internet,
• Recent internet browser software with 256-bit encryption, supported browsers including Chrome, Mozilla and Safari.
• A valid email address and access to that email account,
• Access to software that allows print, download, or otherwise store electronic Communications, and
• A mobile device with a recent device operating system that supports email, text messages and attachments.

Keeping Your Contact Information Updated

It is Your responsibility to keep Your primary email address and other electronic addresses up-to-date so that myxpay can communicate with You electronically. By consenting here, You agree that if We send you an electronic Communication but You do not receive it because Your electronic addresses are incorrect or out-of-date, or You cannot receive electronic Communications as provided under this Consent, myxpay will have met any requirement to provide the Communication to You.

FOR CONSUMERS ONLY: Withdrawing Your Consent

If You are, or You are acting on behalf of, an individual using the Service for personal, family or household purposes, You may withdraw this Consent at any time. If You decide to withdraw this Consent because You do not want to receive future Communications electronically, You can contact myxpay Customer Support through our customer support portal. Your withdrawal of this Consent will become effective after We have had a reasonable opportunity to process it and upon confirmation by You of an up-to-date address for delivery of paper copies of Communications.

PLEASE BE AWARE, HOWEVER, THAT IF YOU WITHDRAW THIS CONSENT, MYXPAY MAY RESTRICT OR TERMINATE YOUR USE OF THE SERVICE.

Termination or Changes to the Consent

We reserve the right, in our sole discretion, to terminate or change this Consent or the way in which We provide You with Communications.