Terms of Use — TechTech Pay

1. Parties and Scope

1.1. This agreement is entered into between you ("User", "You") and TechTech Pay Ltd. ("TechTech Pay", "We", "Our"), the entity responsible for the platform, application and the provision of the services described herein.

1.2. Card issuance and operation services, as well as certain financial services, may be provided by third-party partners (issuer/BIN sponsor, custodians, processors). Where applicable, the issuing provider will be identified in communications and in the product agreement.

1.3. By creating an account, requesting, activating or using any TechTech Pay card or service, you agree to comply with these Terms of Use and any applicable supplementary terms.

2. Services Provided

2.1. TechTech Pay provides, via the application and platform: multi-currency accounts (including support for cryptocurrencies), real-time crypto→fiat conversion, physical/virtual cards bearing the network specified in the app, deposits via blockchain and account and transaction management mechanisms.

2.2. Features, limits, fees and supported currencies may vary by user and jurisdiction and will be displayed in the application or in updated materials.

3. Registration, Verification and KYC

3.1. Use of the services requires registration and identity verification (KYC). You agree to provide true, complete and up-to-date information.

3.2. Refusal to provide requested data or detection of risk may lead to suspension, blocking or termination of the account.

4. User Responsibilities

4.1. You are responsible for safeguarding credentials (login, password, PIN) and for all transactions carried out through your account, except where fraud or gross negligence by TechTech Pay or the issuer is demonstrated.

4.2. You must follow security practices (do not share PIN, review deposit addresses, confirm network before sending tokens, etc.). Losses resulting from sending to an incorrect address/network are generally the user's responsibility.

5. Deposit, Custody and Conversion

5.1. Crypto deposits are credited after the necessary on-chain confirmations; supported networks and instructions are shown in the app. Sending via an incorrect network may result in irrecoverable loss.

5.2. TechTech Pay or its custodian partners may hold assets in custodial wallets. Ownership and custody terms will be governed by specific contracts and policies provided to the user.

5.3. Crypto→fiat conversions for payment purposes will be performed automatically at the time of the transaction based on the prevailing rate, applying disclosed spreads/fees.

6. Card Issuance and Use

6.1. Cards are issued by the indicated issuer/BIN sponsor partner and are subject to the rules of the issuer and card network. TechTech Pay manages the product and white-label experience, but the issuer may impose additional operational conditions.

6.2. The cardholder must follow activation, security and usage instructions. TechTech Pay may block, suspend or cancel cards for security reasons, fraud, regulatory investigation or breach of these Terms.

7. Fees, Limits and Billing

7.1. Fees, transaction limits, conversion rates and other charges will be disclosed in the application and the applicable pricing table. TechTech Pay may change fees with prior notice where required by law or under the applicable agreement.

7.2. The user is responsible for all charges due and for maintaining sufficient balance to cover transactions and fees.

7.3. Fees charged by third parties: in addition to the fees and charges disclosed by TechTech Pay, merchants, acquirers, terminal operators (POS) and ATMs may apply additional charges for the use of the Card (e.g., merchant surcharge, convenience fee, terminal operation fee or ATM fee). These charges are collected and retained by third parties and are not under TechTech Pay's direct control. We recommend that the User check for any notices at the point of service and confirm the amount before authorizing the transaction. When applicable, the option of Dynamic Currency Conversion (DCC) may be offered by the merchant/terminal; the User may choose to accept or decline the conversion.

7.3.1. When using the TechTech Pay Card at establishments in Brazil, if the terminal (debit/credit/POS) presents the option to pay in Brazilian Real (BRL) or Singapore Dollar (SGD), the User should choose Real. Choosing to pay in Singapore Dollar may result in additional charges applied by the merchant or terminal operator (e.g., Dynamic Currency Conversion – DCC), the amount of which is not controlled or refunded by TechTech Pay.

8. Liability and Indemnity

8.1. TechTech Pay will not be liable for indirect damages, lost profits or unforeseeable losses arising from use of the services, except in cases of proven willful misconduct or gross negligence.

8.2. You agree to indemnify TechTech Pay and its partners for losses, costs and expenses arising from your breach of these Terms, misuse of the account or unlawful conduct.

9. Personal Data and Privacy

9.1. Personal data processing will be governed by TechTech Pay's Privacy Policy, available in the app/website. Data may be shared with partners (custodians, KYC providers, issuers, processors) for service execution and legal compliance.

9.2. Information may be transferred internationally as necessary; rights of access, rectification and deletion will be exercised in accordance with applicable law.

10. Financial Crime Prevention

10.1. TechTech Pay will maintain AML/CFT policies and monitoring procedures. We may retain, block or refuse transactions, or close accounts if there is suspicion of illicit activity or as required by authorities.

10.2. TechTech Pay does not provide tax advice; the user is responsible for reporting and paying applicable taxes.

11. Intellectual Property

11.1. TechTech Pay's content, trademarks, software and materials are owned or licensed by it. The user may not reproduce, modify or use the trademark without authorization.

12. Amendments to the Terms

12.1. TechTech Pay may amend these Terms by notice through the app, email or publication on the platform. Material changes will comply with applicable notice periods when required. Continued use of the services after change constitutes acceptance.

13. Suspension and Termination

13.1. TechTech Pay may suspend, limit or terminate services or accounts for breach, court order, regulatory requirement or security reasons. After termination, outstanding obligations remain in force until settled.

14. Communications and Notices

14.1. Communications may be sent by email, in-app messages or other means indicated in registration. It is the user's responsibility to keep contact details up to date.

15. Governing Law and Jurisdiction

15.1. These Terms are governed by the laws of the United Arab Emirates. Any disputes, controversies or claims arising out of or relating to these Terms will be resolved by the competent courts of Dubai, United Arab Emirates, with waiver of any other forum.

16. Final Provisions

16.1. If any clause is held invalid, the remaining provisions remain in effect. These Terms constitute the entire agreement between the parties.

16.2. Key definitions (e.g., "Account", "Card", "Custodial Wallet", "Transaction", "User") will be specified in an attached glossary or on the platform.

Annex A — Glossary

• Account: the user registration on the TechTech Pay platform.
• Card: physical or virtual card issued by a partner issuer linked to the Account.
• Custodial Wallet: wallet in which assets are held in custody by the partner provider.
• Transaction: any movement of funds, purchase, withdrawal, conversion or transfer.