General

These Privacy Policy and Terms and Conditions constitute an integral part of the Agreement regarding the delivery of the Service to the User (customer) by Payonline (Service Provider).

The Privacy Policy and Terms and Conditions shall be applied unless Payonline and the User have otherwise agreed in writing. The Agreement will enter into force when the User submits online acceptance of these Privacy Policy and Terms and Conditions.

Please read these terms and conditions carefully before accepting the Service. By accessing or using the Service (Payonline), you agree to be bound by the terms and conditions stated herein. These terms and conditions are subject to changes from time to time and the same shall be hosted on the Payonline website.

If you do not agree with these terms and conditions, please do not accept, or subscribe to the offer or use this Service. By using this Service, you indicate that you unconditionally accept the terms of this agreement, and you agree to abide by them.

At Payonline, we prioritize the security and confidentiality of our customers' data. We understand the importance of protecting sensitive information and want to assure our Users that your details are in safe hands. However, the User acknowledges and agrees that internet and telecommunications transmissions are never completely private or secure. All content and services on or available through the Payonline website are provided on an "as is" basis, and Payonline does not make any representation or give any warranty or guarantee in respect of the Service or its content. Payonline may discontinue or make changes to the Service at any time without prior notice to the User and without any liability whatsoever.

Data Protection

The User understands that Payonline will use his/her personal information, provided on the platform, to review the requested services and process the same, continuously assess eligibility, and offer personalized products and services.

Confidentiality

Any proprietary information obtained in the course of using our services shall remain and be utilized exclusively for the ultimate maximization of the goal of the requested services.

Where Payonline is compelled by applicable regulatory and/or fiscal authorities or by any valid Order carrying the force of law to disclose any confidential or proprietary information, Payonline shall, as much as practicable, promptly notify the User of such obligation.

Payonline agrees to treat as secret and confidential and not at any time or for any reason during or after the expiry or termination of this Agreement disclose or permit to be disclosed to any person, or otherwise make use of or permit use to be made of any Confidential Information whether such Confidential Information was received during the term of this service or otherwise.

Service Availability

Use of the Service (services provided on Payonline's website) may, from time to time, be unavailable, delayed, limited, or slow due to, but not restricted to, the following factors:

• Force majeure
• Industrial Strike Actions
• Failure of hardware and software
• System capacities overload
• Failure or suspension of public or private telecommunication networks
• Power supply or other utilities interruption
• Government or regulatory restrictions, court or tribunal rulings, amendment of legislation, or other human intervention
• Any other cause whatsoever beyond Payonline's control

Notices

The User agrees to accept service of all notices, processes, and any other communication relating to this Service through the email address and/or SMS to the phone number registered with Payonline and hereby confirms the phone numbers and email addresses as his/her phone number and email address for service.

The User also agrees that it is his/her responsibility to ensure that his/her contact details, including phone number, maintained with Payonline are valid.

• Notices and processes sent by registered post will be deemed to have been received seven (7) days after the date of posting.
• Notices and processes delivered by hand shall be deemed to have been received on the day such a letter is dated.

Authorization to Comply

The User agrees that Payonline is irrevocably authorized to comply with any instructions on the Service received through the digital channel, and it is agreed that such instructions shall be irrevocably deemed to be the User's instructions issued on his/her behalf.

Waiver

No forbearance, neglect, or waiver by Payonline in the enforcement of any of these terms and conditions shall prejudice Payonline's right to strictly enforce the same. No waiver by Payonline shall be effective unless it is in writing.

Limitation of Liability

Under no circumstances will Payonline be liable for any indirect or incidental loss, operating losses, consequential damages, claims by third parties, lost data, profits, revenue, customers, goodwill, and/or lost interest.

Payonline's liability for direct damages shall be limited to an amount that is equivalent to the service charges that the User has paid to Payonline prior to the damage.

Force Majeure

Payonline is not liable for losses incurred as a result of failure to comply with its obligations in connection with circumstances beyond its control. Payonline cannot be held responsible for losses incurred as a result of:

• Breakdown or lack of access to IT systems, or damage to the data maintained in these systems as a result of any reasons listed below, irrespective of whether Payonline or a third party is responsible for the operation of such systems.
• A power supply failure or failure in Payonline's telecommunications systems.
• Legislative or administrative interventions, natural disasters, war, revolution, civil unrest, sabotage, terrorism, or vandalism (including virus attacks, computer hacking, and cybercrimes).
• Strikes, lockouts, boycotts, or blockades, regardless of whether the conflict is directed against or was started by Payonline or Payonline's organization, and regardless of the cause of such conflict.

The foregoing also applies if the conflict only affects portions of Payonline and other circumstances that are beyond Payonline's control.