Vendor & Third-Party Risk Disclaimer

The purpose of this disclaimer is to:

• Clarify the role of third-party service providers.
• Define operational boundaries.
• Explain external service limitations.
• Provide clear understandings regarding third-party failures or delays.
• Promote transparency in platform expectations.

Banking operations are subject to policies, procedures, compliance standards, and operational availability of the respective banking partner.

The company shall not be held directly responsible for:

• Banking downtime or outages.
• Delayed fund transfers.
• Banking server failures.
• Account freezes initiated by banks.
• Regulatory restrictions imposed by banking regulations.
• Settlement delays or failures caused by banks.
• Errors in direct transfers by users.

Customers and merchants acknowledge that banking operations are subject to the policies, procedures, compliance standards, and operational availability of the respective banking partners.

Payment gateway, routing, and processing services may be facilitated through third-party payment gateways, processors, aggregators, or financial infrastructure providers.

The company shall not be liable for losses arising from:

• Payment gateway downtime.
• Transaction failures caused by gateway providers.
• Delayed confirmation of payments.
• Third-party API failures.
• Gateway-side disconnects or transaction errors.
• Integration delays or updates to payment gateway systems.
• External payment network outages.

Transaction processing times may vary depending on the operational status of the respective payment partners.

Customer and merchant verification services may involve third-party KYC, KYB, identity verification, or compliance vendors.

The company relies on information and verification results provided by such external providers and shall not be directly responsible for:

• Delayed verification approvals.
• Incorrect verification results generated by vendors.
• Third-party database outages.
• Government database connectivity issues.
• Incomplete or inaccurate verification data.
• Technical exceptions affecting the verification processes.

Customers and merchants are responsible for providing accurate and valid information during the verification process.

Movement of settlements, fund transfers, and financial reconciliations may depend on multiple third-party systems and institutions, including:

• Banking partners.
• Payment gateways.
• Nodal or escrow accounts.
• Financial intermediaries.
• Regulatory systems.
• External processing infrastructure.

Settlement timelines may be affected by:

• Banking holidays.
• Compliance reviews.
• Technical maintenance.
• Risk monitoring procedures.
• Transaction disputes.
• External processing delays.
• Regulatory or governmental instructions.

The company does not guarantee uninterrupted or instant settlement timelines under all circumstances.

We make reasonable efforts to integrate with reliable vendors and service providers. However, the company does not guarantee:

• Continuous availability of third-party systems.
• Error-free API links or data transfer.
• Interrupted connectivity between systems.
• Permanent compatibility with external APIs or schemas.
• Immediate recovery from vendor-side incidents.

Third-party systems may change, suspend, or discontinue services or APIs from time to time.

To the maximum extent permitted by applicable law, the company shall not be liable for indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses resulting from:

• Actions or inactions of third-party vendors.
• External infrastructure failures.
• Banking or gateway outages.
• Disruption of business caused by external providers.
• Delays, errors, or delays in vendor transactions.
• Third-party cybersecurity incidents.

Users acknowledge and agree that operational risks are an inherent part of the financial ecosystem, making multiple vendor dependencies necessary.

The company may cooperate with banks, gateways, compliance authorities, regulators, and law enforcement agencies when legally required or operational safety warrants.

Users and merchants may be required to provide necessary documentation, verification, or clarification during investigations, reviews, or dispute resolution processes.

We reserve the right to modify, revise, or update this Vendor & Third-Party Risk Disclaimer at any time without prior notice. Updated versions will be published on our website with the latest effective date.