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INTRODUCTION

Welcome to the AirPay Platform (the "Platform"). This Terms of Service is a contract between you and AirPay (Thailand) Co., Ltd and it governs your use of all Services. Please read the following Terms of Service carefully before using this Platform or opening an AirPay account ("Account") so that you are aware of your legal rights and obligations with respect to us and our affiliates and subsidiaries (individually and collectively, "Company", "we", "us" or "our").

BY USING THE SERVICES OR OPENING AN ACCOUNT, YOU SIGNIFY YOUR IRREVOCABLE ACCEPTANCE OF THIS TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE OUR SERVICES OR ACCESS THE PLATFORM. IF YOU ARE BELOW 18 YEARS OLD OR THE RELEVANT "AGE OF MAJORITY" WHERE YOU LIVE, YOU MUST GET PERMISSION FROM A PARENT OR LEGAL GUARDIAN TO OPEN AN ACCOUNT AND THAT PARENT OR LEGAL GUARDIAN MUST AGREE TO THIS TERMS OF SERVICE. IF YOU DO NOT KNOW WHETHER YOU HAVE REACHED THE "AGE OF MAJORITY" WHERE YOU LIVE, OR DO NOT UNDERSTAND THIS SECTION 1.2, PLEASE DO NOT CREATE AN ACCOUNT UNTIL YOU HAVE ASKED YOUR PARENT OR LEGAL GUARDIAN FOR HELP. IF YOU ARE THE PARENT OR LEGAL GUARDIAN OF A MINOR WHO IS CREATING AN ACCOUNT, YOU MUST ACCEPT THIS TERMS OF SERVICE ON THE MINOR'S BEHALF AND YOU WILL BE RESPONSIBLE FOR ALL USE OF THE ACCOUNT OR SERVICES, INCLUDING ANY TRANSACTION MADE BY THE MINOR, WHETHER THE MINOR'S ACCOUNT IS NOW OPEN OR CREATED LATER AND WHETHER OR NOT THE MINOR IS SUPERVISED BY YOU DURING HIS OR HER USE OF OUR SERVICES.

We have the right to revise this Terms of Service at any time without providing notice to our Users. Your continued use of the Services (as defined below in Section 2.1), and your registration of an Account, shall be deemed irrevocable acceptance of those revisions.

We reserve the right at all times to change, modify, suspend or discontinue any portion of the Services, including payment methods, temporarily or permanently, without notice to you or giving any reason. We may release certain Services or their features in a beta version, which may not work correctly or in the same way the final version may work, and we shall not be held liable in such instances. We may also impose limits on certain features or restrict your access to the Services in our sole discretion and without notice or liability.

We reserve the right to refuse to provide you access to the Services or to allow you to open an Account for any reason.

SERVICES

The services we provide or make available include (a) the Platform, (b) the services provided through the Platform and by the Company’s software clients (“Software”), and (c) all information, websites, linked pages, features, data, text, images, photographs, graphics, music, sounds, video, messages, tags, content, programming, software, application services (including without limitation any mobile application services) or other materials made available through the Platform or our related services ("Content") (collectively, the “Services”). Any new features added to or augmenting the Services are also subject to this Terms of Service. The Services include but not limited to a one stop solution for: (i) the provision of digital wallet solutions, (ii) online payment processing services such as making payments to participating 3rd parties such as charities, businesses, telecommunications companies, utility companies, etc. (“3P Merchants”), and (iii) peer to peer transfer of funds.

Our Services are designed to facilitate registered users using our Platform (“Users”) to place, accept, conclude, manage and fulfil orders for the provisions of products and services online within the Platform (“Transactions”). We reserve the right to introduce new features, functionalities or applications to the Services or future versions of the Service. All new features, functionalities, applications, modifications, upgrades and alterations shall be governed by this Agreement unless otherwise stated.

Digital Wallet Service

You may add funds to your Account using the following methods:

Bank Transfers

You may direct your bank to allow the Platform to transfer funds to and/or from your designated bank account. To assist you in this aspect, a step by step instruction will be provided and the same may be located within the Platform under the “Add Bank Account” section. You will be required to verify certain personal information to activate the Digital Wallet Service. By activating the Digital Wallet Service, you confirm that (a) you have provided us with your consent to use your personal information in connection with the Services; (b) you are legally authorised to access the bank account(s) you have linked to your Account; and (c) you will pay or allow us to deduct from your Account all fees and charges associated with the use of the Services.

AirPay Counter

AirPay Counter is a physical over the counter service provided by an authorised retailer at selected locations within your jurisdiction (“AirPay Counter”).

You may add funds to your designated Account by way of cash payment by visiting your nearest local AirPay Counter. To do so, you may (a) perform a direct top-up of funds by providing your registered mobile phone number at the AirPay Counter, or (b) request for a QR code at the AirPay Counter.

You acknowledge and agree that no liability shall be incurred by us if we are unable to complete any transfers initiated by you for any reason beyond our control such as:

If, through no fault of ours, your Account does not contain sufficient funds or if the transfer would exceed the transactional limit set for your Account;

Our payment processing centre is not working properly and you know or have been advised by us about the malfunction before you execute the transfer;

You have not provided us with the correct Account information, or information that you provided becomes incorrect; and/or

Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force), even if foreseeable or foreseen, that prevent the proper execution of the transfer and we have taken reasonable precautions to avoid those circumstances.

Subject to this Section, and provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Account or causes funds from your Account to be directed in a manner inconsistent with instructions you have properly provided to us, you agree that your sole remedy shall be to seek to have the wrongly deducted sum returned to your Account and you shall not be entitled to any compensation for damage.

Payment Processing Services

You may make payment(s) to 3P Merchants through our Platform. By using our Services, you agree that we may use all information, including personal and billing information, provided by you to us in the course of using the Services (“Payment Instructions”). You acknowledge and agree that it is your sole responsibility to ensure that all your Payment Instructions are complete and accurate in all respect and you understand that time is required to process your Payment Instructions. The Payment Instructions provided by you will be treated as final and we will not be required to verify the Payment Instructions with you. Further, by providing us with your Payment Instructions, you agree to pay or allow us to deduct from your selected source of funds all fees and charges associated with your Payment Instructions.

We are a paying agent and we are not made aware of any agreement made, or rights and obligations between you and the biller (“Customer/Biller Agreement”). In that connection, we will not be liable for any damages arising out of the breach of Customer/Biller Agreement.

You acknowledge and agree that it is your sole responsibility to ensure that all your Payment Instructions are correct, complete and accurate in all respect before you instruct us to make payment on your behalf.

As you are aware, time is required to process your Payment Instructions. For bill payments, we will recommend that you provide us with your Payment Instructions at least three (3) business days prior to the due date of any bill. We will not be responsible for any late payment penalty or charges incurred by you in the course of using the Services.

Payment to 3P Merchant and Creditor

We are solely a payment agent and we do not hold any stock in our inventory. All feedbacks and complaints about your purchases should be directed to the relevant 3P Merchant.

Your Payment Instructions may be made out through: (i) your Account balance / AirPay Counter, (ii) bank transfer, or (iii) debit/credit card payment.

Account balance / AirPay Counter

You may use funds from your designated Account to make payments or purchases. You may top-up your Account balance via bank transfer or by visiting your nearest local AirPay Counter and performing a direct top-up of funds by providing your registered mobile phone number at the AirPay Counter, or requesting for a QR code at the AirPay Counter.

Bank Transfer

You may direct your bank to allow the Platform to transfer funds from your designated bank account to make payments. To assist you in this aspect, a step by step instruction will be provided and the same may be located within the Platform under “Add Bank Account”. You will be required to verify certain personal information to activate the Services. By activating the Services, you confirm that (a) you have provided us with your consent to use your personal information for the Services; (b) you are legally authorised to access the bank account(s) you have linked to your Account; and (c) you will pay or allow us to deduct from your selected source of funds all fees and charges associated with the use of the Services.

Credit Card

You may link your credit card such as Visa, MasterCard, etc. to your Account and use it to make payments to 3P Merchants. To link your credit card to your Account, you may input your credit card details in the “Add credit / debit card” tab. By linking your credit card, you agree that you will pay or allow us to deduct from your selected card all fees and charges associated with the use of the Services.

Your credit card details will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the service you have requested. This excludes the transfer of your credit card data to our third party payment processing company. Our third party payment processing company stores all of your credit card details (we store none of your credit card data, and the same is transferred directly to their secure storage, without touching our servers).

You are not allowed to use your credit card for the following:

credit card bill payments;

top up your Account balance; and / or

to conduct peer to peer transfer of funds.

Peer to Peer Transfers

Peer to Peer transfer of funds ("P2P") may be made available to you at our sole discretion. If you use P2P, you acknowledge and understand that:

We may require that you provide more information in order to complete a transaction and we will not be able to process the transaction until you provide us with the information requested.

If you receive and accept a P2P transfer you are liable to us for not only the transfer but also any fees that may result from a later invalidation of that transfer for any reason, such as in event where the transfer is reversed. You acknowledge and agree that we are entitled to recover any amounts due to us and irrevocably authorise us to debit any amount due to us from your Account balance without notice to you. If your Account balance is insufficient to cover this amount, we reserve the right to charge your Payment Instrument or take any other legal action to collect the funds to the full extent allowed by applicable law.

You are using P2P at your sole risk and we assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender. Any dispute arising from funds transferred via P2P is strictly a private matter between the Users.

The use of P2P may subject you to fees including without limitation those from third parties, such as reversal charges or other fees for insufficient funds if your attempted payment is rejected.

P2P must be used in compliance with applicable law and may not be used in connection with any illegal or illicit transaction. If we become aware of any illegal or illicit transactions, we reserve the right to take action including without limitation the following, without notice to you: place a hold on your transactions; place a reserve on your funds; limit your ability to use the Services; report the activity to authorities; or deactivate your account entirely.

No Liability

You acknowledge and agree that no liability shall be incurred by us if we are unable to complete any Payment Instructions initiated by you for any reason beyond our control including but not limited to the following:

If, through no fault of ours, your Account does not contain sufficient funds or if the payment or purchase would exceed the transactional limit set by you for your Account;

Our payment processing centre is not working properly and you know or have been advised by us about the malfunction before you execute the Payment Instructions;

You have not provided the us with the correct Account information, or information that you provided becomes incorrect; and/or

Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force), even if foreseeable or foreseen, that prevent the proper execution of the Payment Instructions and we have taken reasonable precautions to avoid those circumstances.

Our Services are only available to Users. Whilst a User may top-up his or her Account by cash or bank transfer as set forth in this Terms of Service, you are required to have a valid bank account to withdraw funds from your Account.

In the event where a Transaction is terminated, we may, at our sole discretion, determine whether it is reasonable to refund part of or all the funds to the User.

We may limit any or all of the Services available to any User, in accordance with this Terms of Service. The types of Transactions and other benefits, features, and functions of the Services available to a User may vary for different countries and regions. No warranty or representation is given that the same type and extent of transactions, benefits, features and functions will be available to all Users.

We reserve the right to refuse or cancel any Transaction for any reason at our sole discretion. Situations that may result in a Transaction being rejected or cancelled, include, but not limited to problems which have been identified by our credit and fraud control department, where we have reason to believe that the Transaction is unauthorised, violates any law, rule, or regulation, or may otherwise subject us or any of our affiliates to liability. We may also require additional verifications or information prior to effecting any Transaction.

We may impose additional restrictions, limitations, prohibitions or any other measures that we, in our sole discretion, deem necessary or reasonable in each Transaction.

You will be responsible for all Transactions through made through the Platform via your designated Account, with or without your authority, knowledge or consent, and may not claim against us in connection with any such use or purported use.

PRIVACY

Your privacy is very important to us. To better protect your rights we have provided the Company’s Privacy Policy to explain our privacy practices in detail at https://app.airpay.in.th/th/privacy. Please review the Privacy Policy to understand how we collect and use the information associated with your Account and/or your use of the Services. By using the Services or agreeing to this Terms of Service, you consent to our collection, use, disclosure and/or processing of your personal data and any Content you may have contributed to the Platform as described in the Privacy Policy.

Users in possession of another User’s personal data (the “Receiving Party”) must (i) comply with all applicable personal data protection laws; (ii) allow the other User (the “Disclosing Party”) to remove him/herself from the Receiving Party’s database; and (iii) allow the Disclosing Party to review what information have been collected about them by the Receiving Party.

LIMITED LICENSE

We grant you a limited licence to access and use the Services subject to the terms and conditions of this Terms of Service for personal use only. Unless we provide you with our consent, this licence does not allow you to make any commercial use or any derivative use of the Services (including without limitation any of our individual elements or Content). All proprietary Content, trademarks, service marks, brand names, logos and other intellectual property displayed in the Platform are the property of Company and where applicable, third party proprietors identified in the Platform. No right or licence is granted directly or indirectly to any party accessing the Platform to use or reproduce any such proprietary Content, trademarks, service marks, brand names, logos and other intellectual property, and no party accessing the Platform shall claim any right, title or interest therein. By using or accessing the Services you agree to comply with the copyright, trademark, service mark, and all other applicable laws that protect the Services, the Platform and our Content. You agree not to copy, distribute, re-publish, transmit, publicly display, publicly perform, modify, adapt, rent, sell, or create derivative works of any portion of the Services, the Platform or our Content. You also may not, without our prior written consent, mirror or frame any part or whole of the contents of this Platform on any other server or as part of any other website. In addition, you agree that you will not use any robot, spider or any other automatic device or manual process to monitor or copy our Content, without our prior written consent (such consent is deemed given to standard search engine technology employed by Internet search websites to direct Users to this website).

You are welcome to link to the Platform from your website, provided that your website does not imply any endorsement by or association with us. You acknowledge that we may, in our sole discretion and at any time, discontinue providing any part of the Services without notice.

SOFTWARE

Unless accompanied by a separate license agreement, any software provided by us to you as part of the Services is subject to the provisions of this Terms of Service. The software is licensed, not sold, and we reserve all rights to the software not expressly granted by us. Any third-party scripts or code, linked to or referenced from the Services, are licensed to you by the third parties that own such scripts or code, not by us.

ACCOUNTS AND SECURITY

To access our Services, User is required to register for an Account by providing certain personal information, including without limitation, your mobile telephone number, selecting a password, and optionally selecting a unique User identification ("User ID"). If you select a User ID that we, in our sole discretion, find offensive or inappropriate, we have the right to suspend or terminate your Account.

You may register for an Account on our Platform or third party platforms granted permissions to send/receive information with us. Only the registration with complete and correct information shall be processed by us.

You may be able to use your Account to gain access to other products, websites or services to which we have enabled access or with which we have tied up or collaborated. We have not reviewed, and assume no responsibility for any third party content, functionality, security, services, privacy policies, or other practices of those products, websites or services. The terms of service for those products, websites or services, including their respective privacy policies, if different from this Terms of Service and/or our Privacy Policy, may also apply to your use of those products, websites or services.

You agree to (a) keep your password confidential and use only your personal Account password when logging in, (b) ensure that you lock your Account at the end of each session on the Platform, (c) immediately notify us of any unauthorised use of your Account, and (d) ensure that your Account information is accurate and up-to-date. You are fully responsible for all activities that occur under your Account even if such activities or uses were not committed by you. We will not be liable for any loss or damage arising from unauthorised use of your password or your failure to comply with this Section.

We may require that you submit documents such as identification documents to the bank so that you may access our Services.

You are responsible for providing accurate information when registering an Account and for keeping your information up to date, or notifying us in the event of changes.

You agree that we may for any reason, in our sole discretion and without notice or liability to you or any third party, immediately terminate your Account, and remove or discard from the Platform any Content associated with your Account. Grounds for such termination may include, but are not limited to, (a) extended periods of inactivity, (b) violation of the letter or spirit of this Terms of Service, (c) fraudulent, harassing, defamatory, threatening or abusive behaviour or (d) behaviour that is harmful to other Users, third parties, or the business interests of the Company. Use of an Account for illegal, fraudulent, harassing, defamatory, threatening or abusive purposes may be referred to law enforcement authorities without notice to you. If you file a claim (under any cause of action whatsoever) either against us, or which in any way involves us, then we may terminate your Account.

You are permitted to use the Services and/or open an Account if your applicable jurisdiction allows you to accept this Terms of Service.

SUSPENSION OR BREAKDOWN OF SYSTEMS

If you are unable to use the Services as a result of improper operation of the Platform due to any of the following reasons, you agree that you will not hold us or our affiliates liable for:

giving notice of system suspension or maintenance on our Platform;

failure in transmission of data due to breakdown or suspension of telecommunications equipment and/or systems;

failure in system operations due to force majeure events including, but not limited to typhoon, earthquake, tsunami, flood, blackout, war, terrorist attack, beyond our reasonable control; or

the Services are interrupted or delayed due to hacking, maintenance, upgrades, banking or regulatory bodies, and any other reasons.

ERRORS AND UNAUTHORISED TRANSACTIONS

When an unauthorised Transaction or an error occurs in your Account, we will cover you for the full amount of every eligible unauthorised Transaction or error so long as you follow the procedures set out below. An unauthorized Transaction occurs when a payment is sent from your Account that you did not authorise and did not benefit you, without being negligent. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an unauthorized Transaction has occurred. If you give someone access to your Account (by giving them your login information) and they conduct transactions without your knowledge or permission, you are responsible for any resulting use.

You should immediately notify us if you believe:

there has been an unauthorized Transaction or unauthorized access to your Account;

there is an error in your Account history;

your password or unlock code has been compromised;

your Account mobile-activated phone has been lost, stolen or deactivated; or

you need more information about a transaction listed on the transaction history or transaction confirmation.

To be eligible for protection for unauthorized Transactions, you must notify us within twenty-four (24) hours upon becoming aware of such unauthorised Transactions, but in any event, no later than thirty (30) days after any unauthorized Transaction first appears in your Account history. We will extend the time period with reasonable and demonstrable reason at our discretion. You should regularly log into your Account and review your Account history to ensure that there has not been an unauthorized Transaction or error. We may also send an email to the primary email address you have provided in order to notify you of each transaction from your Account. You should also review these transaction confirmations to ensure that each transaction was authorised and is accurate.

For unauthorized Transactions or Errors in your Account, notify us through the methods set out in Section 15.

When you notify us, provide us with all of the following information:

Your name, contact number and email address registered to your Account;

A description of any suspected unauthorized Transaction in reasonable detail or error and an explanation as to why you believe it is incorrect or why you need more information to identify the Transaction; and

The amount of any suspected unauthorized Transaction or error.

If you notify us orally, we may require that you send us your complaint or question in writing within ten (10) business days. During the course of our investigation, we may request additional information from you.

Once you notify us of any suspected unauthorized Transaction or error, or we otherwise learn of one, we will do the following:

We will conduct an investigation to determine whether there has been an unauthorized Transaction or error that is eligible for protection.

We will complete our investigation within ten (10) business days from the date we received your notification of the suspected unauthorized Transactions or error. If your Account is new (the first transaction from your Account was less than thirty (30) business days from the date you notify us), we may take up to twenty (20) business days to complete this investigation. If we need more time, we may take up to forty five (45) business days to complete our investigation (or up to ninety (90) business days for new Accounts, or if your transaction was at a point of sale where you were physically present).

If we decide that we need more time to complete our investigation, we may, at our sole discretion, provisionally credit your Account for the amount of the suspected unauthorized Transaction or error.

We will inform you of our decision after completing our investigation.

If we determine that there was an unauthorized Transaction or error, we will promptly credit the full amount into your Account within one (1) business day of our determination. Or, if you have already received a provisional credit, you will be allowed to retain those amounts.

If we decide that there was not an unauthorized Transaction or error, we will include an explanation of our decision in our email to you. If you received a provisional credit, we will remove it from your Account and notify you of the date and amount of the debit. You may request copies of the documents that we used in our investigation.

We will rectify any error that we discover at our sole discretion. If the error results in your receipt of less than the correct amount to which you are entitled, we will credit your Account for the difference. If the error results in your receipt of more than the correct amount to which you are entitled, you agree that we may debit the extra funds from your Account.

If you erroneously send a payment to the wrong party, or send a payment for the wrong amount (based on a typographical error, for example), you acknowledge and agree that any loss or damage you suffer is caused by your negligence. We will not reimburse you or reverse a payment that you have made in error. However, we will help you contact the party to whom you sent the payment and ask them to refund the payment. In doing so, you acknowledge that such party may not refund the payment to you.

DISCLAIMER

We are not a bank or other chartered depository institution, nor an issuer of any credit cards, debit cards, savings account or other prepaid payment service method (“Payment Instrument”), unless expressly stated otherwise. For Transactions facilitated with AirPay, we handle the payment to 3P Merchant and the charging of your Payment Instrument to conduct your payment for purchase.

ThIS Terms of Service do not amend or otherwise modify your agreement with the issuer of your Payment Instrument, and you are responsible for ensuring your use of the platform complies with all such agreements. In addition, you are responsible for all charges and/or debits to your Payment Instrument resulting from any purchases made from the Account in accordance with such agreements. In the event of any inconsistency between thIS Terms of Service and your agreement with the issuer of your Payment Instrument, thIS Terms of Service govern the relationship between you and us solely with respect to the platform. You acknowledge and agree that you are solely responsible for your Payment Instrument and we are not responsible for the accuracy, or availability of any information you enter or otherwise store in the platoform including, without limitation, whether such information is current and up-to-date.

THE SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE” AND WITHOUT ANY WARRANTIES, CLAIMS OR REPRESENTATIONS MADE BY US OF ANY KIND EITHER EXPRESS, IMPLIED OR STATUTORY WITH RESPECT TO THE SERVICES, INCLUDING WITHOUT LIMITATION WARRANTIES OF QUALITY, PERFORMANCE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, NOR ARE THERE ANY WARRANTIES CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE OR TRADE USAGE. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES OR THE FUNCTIONS CONTAINED THEREIN WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS PLATFORM AND/OR THE SERVER THAT MAKES SAME AVAILABLE ARE FREE OF VIRUSES, CLOCKS, TIMERS, COUNTERS, WORMS, SOFTWARE LOCKS, DROP DEAD DEVICES, TROJAN-HORSES, ROUTINGS, TRAP DOORS, TIME BOMBS OR ANY OTHER HARMFUL CODES, INSTRUCTIONS, PROGRAMS OR COMPONENTS.

YOU ACKNOWLEDGE THAT THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE SERVICES REMAINS WITH YOU TO THE MAXIMUM EXTENT PERMITTED BY LAW. IN PARTICULAR, YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF THE SECURITY CODES PROVIDED TO YOU AND YOU MAY NOT CLAIM AGAINST US FOR ANY LOSS OR DAMAGES RESULTING FROM YOUR FAILURE TO DO SO.

Any downloading of data from our system is done solely at your risk, and we do not warrant that such data or our system is free from any computer virus or other malicious, destructive or corrupting code, agent, program or macros.

If you send funds to the wrong party or sent a wrong amount, we may choose to assist you out of goodwill in contacting the party that received the funds to ask for a refund. However, we will not be liable to reimburse any payment or to reverse any Transaction that you have made as a result of your error or negligence.

Some jurisdictions do not allow the disclaimer of implied warranties, so some or all of the foregoing disclaimers may not apply to you.

EXCLUSIONS AND LIMITATION OF LIABILITY

IN NO EVENT SHALL WE BE LIABLE WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE (WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY OR STRICT LIABILITY OR OTHER THEORY), OR OTHER CAUSE OF ACTION AT LAW, IN EQUITY, BY STATUTE OR OTHERWISE, FOR LOSS OF USE, PROFITS, REVENUES, GOODWILL OR ANTICIPATED SAVINGS OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION ANY LOSS OF DATA, SERVICE INTERRUPTION, COMPUTER, MOBILE PHONE OR MOBILE DEVICE FAILURE) ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES RESULTING THEREFROM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

We may establish general practices and limits concerning use of the Services. We reserve the right to change, suspend, or discontinue any aspect of the Services at any time without notice and liability. We may decline to process any transaction without prior notice to you, particularly if (a) Transaction does not satisfy the terms and conditions of this Terms of Service or other applicable terms, rules and policies, or (b) if we have reason to believe that the Transaction may violate any laws, rules or regulations that may otherwise subject us or our affiliates to liability.

YOUR ONLY RIGHT WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THE SERVICES IS TO TERMINATE YOUR ACCOUNT AND DISCONTINUE ANY USE OF THE SERVICES.

NOTWITHSTANDING SECTIONS 10.1 AND 10.2, IF WE ARE FOUND BY A COURT OF COMPETENT JURISDICTION TO BE LIABLE (INCLUDING FOR GROSS NEGLIGENCE), OUR LIABILITY TO YOU OR TO ANY THIRD PARTY IS LIMITED TO THE LESSER OF THB 2,000 (TWO THOUSAND BAHT ONLY).

NOTHING IN THIS TERMS OF SERVICE SHALL LIMIT OR EXCLUDE ANY LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, FOR FRAUD OR FOR ANY OTHER LIABILITY THAT CANNOT BE LAWFULLY LIMITED AND/OR EXCLUDED.

LINKS TO THIRD PARTY SITES

The links provided throughout the Platform will let you leave this Platform. These links are provided as a courtesy only, and the sites they link to are not under our control in any manner whatsoever and you therefore access them at your own risk. Therefore, we are in no manner responsible for the contents and/or the accuracy of any such linked site or any link contained within a linked site, including any changes or updates to such sites. The provision of these links are merely a convenience, and the inclusion of any link does not in any way imply or express affiliation, endorsement or sponsorship by us of any linked site and/or any of our content therein.

INTEGRATION WITH THIRD PARTY PLATFORMS OR SITES

Our Services may integrate with other services on third party platforms or sites. By using our Services on the third party platforms or sites, you agree to and shall comply with those third parties’ terms of services separately. You further agree that we are not responsible for the content of their services and/or the accuracy of the goods/services, including the functions, reliability, security, privacy policy or other operations of such third party platforms or sites.

By using our Services on the third party platforms or sites, we shall process your request/instruction, including without limitation registration request and Payment Instructions, on our operation system. We shall not disclose your personal data previously provided to us to the third party platforms or sites unless such disclosure is required to process your request/instruction and in such case the third party platforms or sites shall be under our Privacy Policy.

In the event that you disclose your personal data to the third party platforms or sites during your use of our Services, for example, you fill in the portal developed by the third party platform or sites with your personal data, you agree that any disclosure, usage, collection and/or process of your personal data resulting from your disclosure shall be under such third party platform or site’s privacy policy.

We may, at our sole discretion, impose limits on certain features or restrict your use to parts of, or the entire, Services on the third party platforms or sites.

PROHIBITED CONDUCT

The license for use of the Services is effective until terminated. This license will terminate as set forth within this Terms of Service or if you fail to comply with any term or condition of this Terms of Service. In such event, no notice shall be required by us to effect such termination.

You agree not to:

breach our Terms of Service, Privacy Policy, in-house rules and regulations, including regulations for promotional events, and/or violate any applicable laws and regulations;

act in a manner that is unlawful, harmful, threatening, abusive, harassing, alarming, distressing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable to our employees, agents or other Users;

use the Services to harm minors in any way;

provide false, inaccurate or misleading information;

use the Services for any illegal activities, including online gambling, regardless of whether online gambling is permitted in your jurisdiction in which you are located;

use your Account in a manner that may result in disputes, claims or other liabilities to us, other Users, third parties, or may be regarded as an abuse of our system;

use the Services to impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity;

forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Services;

remove any proprietary notices from the Platform;

cause, permit or authorize the modification, creation of derivative works, or translation of the Services without our express permission;

use the Services in any manner not permitted by the licenses granted herein;

use the Services for fraudulent purposes;

refuse to corporate in an investigation or provide confirmation of your identity or any information you provide us;

attempt to decompile, reverse engineer, disassemble or hack the Services (or any portion thereof), or to defeat or overcome any encryption technology or security measures implemented by us with respect to the Services and/or data transmitted, processed or stored by us;

harvest or collect any information about or regarding other Users, including without limitation any personal data or information;

upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

upload, post, email, transmit or otherwise make available any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other unauthorised form of solicitation;

upload, post, email, transmit or otherwise make available any material that contains software viruses, worms, Trojan-horses or any other computer code, routines, files or programs designed to directly or indirectly interfere with, manipulate, interrupt, destroy or limit the functionality or integrity of any computer software or hardware or data or telecommunications equipment;

disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other Users of the Services are able to type, or otherwise act in a manner that negatively affects other Users' ability to engage in real time exchanges;

interfere with, manipulate or disrupt the Services or servers or networks connected to the Services or any other User's use and enjoyment of the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;

take any action or engage in any conduct that could directly or indirectly damage, disable, overburden, or impair the Services or the servers or networks connected to the Services;

use the Services to intentionally or unintentionally violate any applicable local, state, national or international law, rule, code, directive, guideline, policy or regulation including without limitation laws and requirements (whether or not having the force of law) relating to anti-money laundering or counter-terrorism financing;

use the Services to provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the Financial Action Task Force (“FATF”);

use the Services to violate the privacy of others or to "stalk" or otherwise harass another; and/or

use the Services for any other activities illegal in your jurisdiction.

13.3 If we, in our sole discretion, believe that you may have engaged in the above restricted activities, we may take various actions, including but not limited to the following:

We may suspend, or restrict your access to your Account;

We may refuse to provide Services to you;

We may place a hold on your Account for up to one hundred and eighty (180) days if reasonably required to protect against the risk of liability or if you have violated our Terms of Service, Privacy Policy, in-house rules and regulations, including regulations for promotional events and/or any applicable laws and regulations in your jurisdiction; and/or

We may take legal action against you.

You understand that all Content, whether publicly posted or privately transmitted, is the sole responsibility of the person from whom such Content originated. This means that you, and not us, is entirely responsible for all Content that you upload, post, email, transmit or otherwise make available through the Platform. We do not control the Content posted on the Platform and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Platform, you may be exposed to Content that you may consider to be offensive, indecent or objectionable. Under no circumstances will we be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of, or reliance on, any Content posted, emailed, transmitted or otherwise made available on the Platform.

You acknowledge that we may or may not pre-screen Content, but that we and our designees shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, delete or move any Content that is available on the Platform. Without limiting the foregoing, we and our designees shall have the right to remove any Content that violates this Terms of Service, if we receive a complaint from another User, if we receive a notice of intellectual property infringement or other legal instruction for removal, or if such Content is otherwise objectionable. We may also block delivery of a communication (including without limitation status updates, postings, messages and/or chats) to or from the Services as part of our effort to protect the Services or our Users, or otherwise enforce the provisions of this Terms of Service. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including, without limitation, any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by us or submitted to us, including without limitation information in all parts of the Platform.

You acknowledge, consent and agree that we may access, preserve and disclose your Account information and Content if required to do so by law or pursuant to an order of a court or by any governmental or regulatory authority having jurisdiction over us or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Terms of Service; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of Company, our Users and/or the public.

YOUR CONTRIBUTIONS TO THE SERVICES

By submitting Content for inclusion on the Services, you represent and warrant that you have all necessary permissions to grant the licenses below to us. You further acknowledge and agree that you are solely responsible for anything you post or otherwise make available on or through the Services, including, without limitation, the accuracy, reliability, nature, rights clearance, compliance with law and legal restrictions associated with any Content contribution. You hereby grant us and our successors an irrevocable, worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to use, copy, distribute, republish, transmit, modify, adapt, create derivative works of, publicly display, and publicly perform such Content contribution on, through or in connection with the Services in any media formats and through any media channels, including without limitation, for promoting and redistributing part of the Services (and our derivative works). This license granted by you terminates once either party removes your contributed Content from the Services. You understand that your contribution may be transmitted over various networks and changed to conform and adapt to technical requirements.

Any material, information or idea you post on or through the Services, or otherwise transmit to us by any means (each, a "Submission"), is not considered confidential by us and may be disseminated or used by us or our affiliates without compensation or liability to you for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products. By making a Submission to us, you acknowledge and agree that we and/or other third parties may independently develop software, applications, interfaces, products and modifications and enhancements of the same which are identical or similar in function, code or other characteristics to the ideas set out in your Submission. Accordingly, you hereby grant us and our successors an irrevocable, worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to develop the items identified above, and to use, copy, distribute, republish, transmit, modify, adapt, create derivative works of, publicly display, and publicly perform any Submission on, through or in connection with the Services in any media formats and through any media channels, including without limitation, for promoting and redistributing part of the Services (and our derivative works). This license granted by you will continue for as long as we determine to use your Submission. This provision does not apply to personal information that is subject to our privacy policy except to the extent that you make such personal information publicly available on or through the Services.

THIRD PARTY CONTRIBUTIONS TO THE SERVICES AND EXTERNAL LINKS

Each contributor to the Services of data, text, images, sounds, video, software and other Content is solely responsible for the accuracy, reliability, nature, rights clearance, compliance with law and legal restrictions associated with their Content contribution. As such, we are not responsible to, and shall not, regularly monitor or check for the accuracy, reliability, nature, rights clearance, compliance with law and legal restrictions associated with any contribution of Content. You will not hold us responsible for any User's actions or inactions, including, without limitation, things they post or otherwise make available via the Services.

In addition, the Services may contain links to third party text, video feeds and podcasts (collectively, "Third Party Feeds"), products, websites, services and offers, or links to download third party software applications. Additionally, third parties may make available, on their own websites, third party feeds, and software applications. These third party links, third party feeds, products, websites, services and software applications are not owned or controlled by us. Rather, they are operated by, and are the property of, the respective third parties, and may be protected by applicable copyright or other intellectual property laws and treaties. We have not reviewed, and assumes no responsibility for the content, functionality, security, services, privacy policies, or other practices of these third parties. You are encouraged to read the terms and other policies published by such third parties on their websites or otherwise. By using the Services, you agree that we shall not be liable in any manner due to your use of, or inability to use, any third-party feed, website or widget. You further acknowledge and agree that we may disable your use of, or remove, any third party links, third party feeds, or applications on the Services to the extent they violate this Terms of Service.

LEGAL NOTICES, COMPLAINTS AND FEEDBACK

If you have complaints, feedback or believe a User on our Platform is violating this Terms of Service, please contact us:

using our feedback function located under settings on the Platform;

through service@airpay.in.th; or

through our hotline +66 (0)2 118 9170 .

Please send all legal notices to legalth@airpay.com and attention it to the “General Counsel”.

MAKING CLAIMS OF INTELLECTUAL PROPERTY RIGHTS INFRINGEMENT

If you believe that your work (as included on the Services) has been copied, displayed, or distributed in a way that constitutes intellectual property rights (“IPR”) infringement, please notify us following Section 16.

A notification of claimed infringement must be a written communication as set forth below, and must include substantially all of the following: (a) a physical or electronic signature of a person authorised to act on behalf of the owner of the IPR that is allegedly infringed; (b) a description of such IPR and an identification of what material in such IPR is claimed to be infringed; (c) a description of the exact name of the infringing IPR and the location of the infringing IPR on the Services; (d) information sufficient to permit us to contact you, such as your physical address, telephone number and e-mail address; (e) a statement by you that you have a good faith belief that the use of the material identified in the manner complained of is not authorised by the IPR owner, our agent, or the law; (f) a statement by you that the information in the notification is accurate and, under penalty of perjury that you are authorised to act on the IPR owner's behalf.

Our Company representatives can be reached through the various methods available as stated in Section 16. Our Company representatives will only respond to any claims involving alleged IPR infringement.

YOUR REPRESENTATIONS AND WARRANTIES

You represent and warrant that:

you possess the legal capacity (and in the case of a minor, valid parent or legal guardian consent), right and ability to enter into this Terms of Service and to comply with our terms;

you will use the Services for lawful purposes only and in accordance with this Terms of Service and all applicable laws, rules, codes, directives, guidelines, policies and regulations;

you will only use the Services on a device on which such use is authorised by the device's owner;

you will use the Services in good faith and in compliance with all applicable laws and regulations, including laws related to anti-money laundering and counter-terrorism financing;

you will be solely responsible for payment of any taxes, duties, or other governmental levies, charges or fees, that may be imposed on the Services.

INDEMNITY

You agree to indemnify, defend and hold harmless Company, and our shareholders, subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees (collectively, the "Indemnified Parties"), at your expense, from and against any and all claims, actions, proceedings, and suits and all related liabilities, damages, settlements, penalties, fines, costs and expenses (including, without limitation, reasonable legal fees and other dispute resolution expenses) incurred by any Indemnified Party arising out of or relating to (a) the hosting, operation, management and/or administration of the Services by or on behalf of us, (b) your violation or breach of any term of this Terms of Service or any policy or guidelines referenced herein, or (c) your use or misuse of the Services, or (d) your breach of any law or the rights of a third party.

SEVERABILITY

If any provision of this Terms of Service shall be deemed unlawful, void, or for any reason unenforceable under the law of any jurisdiction, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions in such jurisdiction nor the validity and enforceability of the provision in question under the law of any other jurisdiction.

GOVERNING LAW

This Terms of Service shall be governed by and construed in accordance with the laws of Thailand.

GENERAL PROVISIONS

We reserve all rights not expressly granted herein.

We reserve the right to amend or modify any part of this Terms of Service at any time by posting the same on this Platform. By continuing to access or use of the Services after any such amendments or modifications, you agree to be bound by such amended or modified Terms of Service.

You may not assign, sublicense or transfer any rights granted to you hereunder or subcontract any of your obligations.

Nothing in this Terms of Service shall constitute a partnership, joint venture or principal-agent relationship between you, 3P Merchants and us, nor does it authorise you to incur any costs or liabilities on our behalf.

Our failure at any time or times to require performance of any provision hereof shall in no manner affect our right at a later time to enforce the same unless the same is waived in writing.

This Terms of Service is solely for your and our benefit and are not for the benefit of any other person or entity, except for our affiliates and subsidiaries (and each of Company's and our affiliates' and subsidiaries' respective successors and assigns).

The terms set forth in this Terms of Service and any agreements and policies included or referred to in this Terms of Service constitute the entire agreement and understanding of the parties with respect to the Services and the Platform and supersede any previous agreement or understanding between the parties in relation to such subject matter.

You agree to comply with all applicable local laws, statutes, regulations and codes relating to anti-bribery and corruption including without limitation the UK Bribery Act, the US Foreign Corrupt Practices Act and the Singapore Prevention of Corruption Act and confirm that you have and shall have in place all policies and procedures needed to ensure compliance with such requirements.

I HAVE READ THIS TERMS OF SERVICE AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE AND ANY REVISION THE SAME HEREAFTER. BY CLICKING THE “REGISTER NOW” BUTTON OR ANY SIMILAR ACTION BELOW, I UNDERSTAND THAT I AM CREATING A DIGITAL SIGNATURE, WHICH I INTEND TO HAVE THE SAME FORCE AND EFFECT AS IF I HAD SIGNED MY NAME MANUALLY.

Last updated: 9th September 2019.

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