TERMS OF SERVICE
PAYNOWZ.COM SERVICE

The concepts used in the regulations are assigned the following meanings:

• Consumer: Consumer: a natural person performing a legal act not directly related to their business or professional activity.
• Account: Account or User Account: an individual account in the Service assigned to each User, whose functionalities allow the use of Services.
• Operator: Operator: an entity providing Services, which is a company under the name Blockbridge sp. z o.o. based in Poznan (KRS number: 0001092676).
• Partner: Partner: entities with which the Operator has concluded agreements for the provision of Services to Users.
• Aml Regulations: Anti-money laundering regulations: currently applicable regulations governing issues related to combating money laundering and terrorist financing, in particular the Act of March 1, 2018 on combating money laundering and financing.
• Regulations: Regulations: these PAYNOWZ.COM Service Regulations
• Gdpr: GDPR: Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).
• Service: Service: Operator's mobile application available in the App Store and Google Play, enabling, among others, the use of Services.
• Services: Services: services specified in § 2 paragraph 2 of the Regulations.
• User: User: a person who has registered in the Service and concluded an account management agreement with the Operator.

The Regulations define the rules for providing electronic services by a company under the name Blockbridge sp. z o.o. based in Poznan, address: Święty Marcin 29 / 8, 61-806 Poznan, registered in the Register of Entrepreneurs of the National Court Register, under number KRS: 0001092676, NIP: 7831899509, REGON: 528002310, also called the Operator.

• Enabling storage of virtual currencies on the Account, i.e., providing a decentralized virtual currency wallet.
• Generating payment links.
• Applying for payment card issuance.

1. For proper use of the Service by the User, the following are required:
   • a phone equipped with Android or iOS system – updated to the latest version – with internet access,
   • a program enabling opening files in PDF format, for reading documents sent or made available by the Operator,
   • an active, properly configured email account,
2. Due to technological changes, there may be changes to the technical requirements mentioned in paragraph 1 above, in particular, higher or updated versions of the existing software may be introduced. Changes in the scope of the aforementioned technical requirements constitute a change to the Regulations.
3. The Operator is not liable for any disruptions caused by events beyond the Operator's control, including in particular technical interruptions in the functioning of the Service caused by force majeure, unauthorized actions of third parties and Users, or resulting from the incompatibility of the Service with the User's technical infrastructure.
4. The Operator makes every effort to ensure the uninterrupted operation of the Service. However, the Operator has the right to suspend the operation of the Service, particularly in case of necessity to update the Service software or circumstances that prevent proper operation of the Service. The Operator will make every effort to ensure that the interruption in the Service operation in such a situation is as short as possible.
5. The responsibility for ensuring that the possessed computer equipment, end device or used IT or telecommunications system are fully compatible with the Service rests exclusively with the User, as the entity that should possess appropriate devices for using the Service.
6. The Operator reserves the right to temporarily suspend or terminate the operation of specific Service functionalities if it is necessary to maintain stability or improve the operation of technical infrastructure. Such actions may include maintenance, inspection or expansion of the technical base. Users will be informed in advance about planned technical breaks, whereby the Operator will make efforts to indicate the expected date and time of such works.
7. In case of requirements resulting from applicable legal provisions or special circumstances, the Operator may limit access to all or part of the Service functionality. Such limitations may apply to both specific territories and individual Users.
8. The Operator is not responsible for any services, applications or wallets that the User uses to store virtual currencies outside the Service infrastructure. This also applies to wallets and services used for virtual currency transfers to or from the Service, unless they are an integral part of the infrastructure provided by the Operator.

1. Registration in the Service requires:
   • completion by the prospective User of data required for registration, i.e., providing an email address that the User will use to log into the User Account and receive messages from the Service or registration through the privy.io service, which is available at https://privy.io/
   • confirmation of the email address mentioned in point 1 above or used during registration through the privy.io service by entering the verification code in the Service, which code will be sent to the email address immediately after confirming the email address according to point 1 above.
   • familiarization with the Service privacy policy and Regulations and their acceptance;
2. Upon positive registration of the User Account after completing the activities specified in paragraph 2 above, the User and Operator conclude an agreement regarding Account functionality, which is independent of other Services indicated in the Regulations or offered based on Service functionality. The agreement is concluded for an indefinite period.
3. Each User is entitled to have only one Account in the Service. In this context, one email address can be assigned exclusively to a single Account. It is prohibited to create multiple Accounts by the same User using different identification data, which the Operator may verify based on its systems.
4. The User, by accepting the Regulations and starting to use the Services, consents to the Operator's use of measures compliant with Anti-money laundering regulations – both at national and European level.

1. Access to Services is provided through the Service.
2. To use the Services, the User is obliged to log into their Account in the Service according to their possessed data. The Operator is not liable for any damages resulting from using the Service through external applications, unsecured devices or public networks, which the User uses at their own risk.

1. Partners may be entities obliged under the act on combating money laundering and terrorist financing of March 1, 2018 (hereinafter: AML Act).
2. Partners under the AML Act may perform appropriate activities towards Users, which is included in their Regulations, which must be accepted by Users before using specific Services.

Acceptance of the Regulations by the User is equivalent to acknowledging that:

• they know the risk of investing in virtual currencies and are aware that one element of this risk is the possibility of losing all invested financial resources as a result of changes in virtual currency exchange rates;
• they are aware that the basic threat to every internet user is the possibility of taking control over the device or otherwise obtaining data by third parties to take over the User Account in the Service, which may result in theft of the User's financial resources.
• they acknowledge that the Operator does not conduct exchange rate games in the Service – is not a market maker.

1. The User is obliged to refrain from performing any unlawful actions within the framework of using the Service, and in particular:
   • using the Service and Services directly or indirectly for purposes contrary to law, Regulations, good practices or commonly accepted rules for using the Internet;
   • using the Service in a way that violates the rights of the Operator or third parties;
   • supplying to or from the Operator's IT system data causing disruption or overload of the Operator's IT system or third parties directly or indirectly participating in the provision of the Service;
2. The User is obliged to protect login data to the Account with particular care against unauthorized access by third parties and any devices and data that would enable a third party to obtain such unauthorized access. In case an unauthorized third party gains possession of data enabling them to log into the Service or even suspicion of such a situation, the User should immediately change their login data to the Service and notify the Operator of suspected intrusion into the User Account.
3. The Operator is not liable for damage suffered by the User or a third party resulting from the User's failure to fulfill obligations arising from the Regulations and legal provisions, or other unlawful actions of the User.

1. The User has the right to terminate the service agreement regarding Account management and maintenance at any time with immediate effect, except in situations where the User is in the process of transaction security processes. The termination statement may be sent to the contact details provided in the registration form.
2. A condition for termination of the agreement by the User is bringing all User wallets in the Service to zero balance.
3. If other services were also provided to the User based on Service functionality, the termination mentioned in paragraph 1 above is equivalent to termination of provision of other Services (other agreements).
4. The Operator has the right to terminate the service agreement regarding the Account due to violation of regulations or conditions of the Regulations by the User and in other situations provided for in the Regulations, with a 7-day notice period. If there is a violation of law, the agreement terminates with immediate effect.
5. Upon termination of the agreement with notice period, the User will have access only to functions enabling withdrawal of funds from the Account.
6. The User during the notice period is obliged to withdraw funds by the end of the notice period.
7. The termination of the agreement specified above causes deletion of the Account understood as blocking the possibility of logging into the User Account. In such case, data provided by the User will be deleted from the Service, unless legal provisions state otherwise.
8. The service agreement terminates automatically in case of death of the User (in case of natural persons) or liquidation of the entity (in case of legal persons).

1. The Operator is not liable for: (i) delays in displaying the Service on devices used by the User, (ii) transaction registration time (iii) financial losses incurred by Users resulting from inability to conduct transactions through the Service during technical breaks, (iv) problems or technical limitations, including data transmission speed of computer equipment, end device, IT system and telecommunications infrastructure used by the User, which prevent the User from using the Service, (v) consequences of using the Service by the User in a manner contrary to applicable law, Regulations or accepted principles of social coexistence or customs in this regard, (vi) deletion of data entered by Users into the Service IT system by IT systems beyond the Operator's control, (vii) consequences of providing login data to third parties by Users (viii) consequences of transactions conducted on the Account, if they were ordered or performed while maintaining the login procedure to the relevant Account using the User's login data, or their API keys.
2. The User is obliged to repair all damages arising from their actions to the detriment of the Service or other Users, or violating applicable law provisions.
3. Each User uses the Services at their own risk, which does not exclude or limit the Operator's liability related to providing Services, to the extent that by law it cannot be excluded or limited.
4. The Operator is not liable for blocking, seizure or securing of User funds by appropriate entities or judicial authorities under applicable legal provisions – primarily under Anti-money laundering regulations.
5. The Operator is not liable for the source of origin of funds used in the implementation of Services by the User to the extent exceeding their obligations arising from applicable legal provisions, including in particular Anti-money laundering regulations.
6. The Operator is liable to Users for non-performance or improper performance of Services to the extent resulting from the Regulations, unless non-performance or improper performance of Services is a consequence of circumstances for which they are not liable under law.
7. The Operator is not liable for consequences of non-performance or improper performance of obligations undertaken towards the User by other Users.

1. Changes to the Regulations may be introduced at any time in connection with changes in applicable legal provisions or the scope and/or functionality of provided Services. Information about changes is provided to Users in advance via email or website, at least fourteen (14) calendar days before their entry into force.
2. In exceptional situations, changes may be introduced without prior notice, when it results from orders of authorities or lack of possibility of prior information. In such case, notification follows immediately after introducing changes.
3. All changes enter into force fourteen (14) calendar days from providing information, unless otherwise specified or changes require immediate application. Lack of objection to changes and continued use of services is treated as their acceptance.
4. In case of lack of acceptance of introduced changes specified in the above stages, it is possible to terminate the use of Services according to conditions specified in the agreement – according to § 9, excluding the situation mentioned in paragraph 2 above. Continued use of Services after introducing changes means their acceptance.

1. The Operator has the right to block access to data entered by the User into the Service IT system in case of: a) receiving official notification about the unlawful nature of stored data or related activity; b) obtaining reliable information or learning about the unlawful nature of stored data or related activity; c) in cases specified in the Regulations.
2. The Operator will immediately notify the User about the intention to block access to the Account. The notification will be sent to the User's email address indicated during registration. The notification will not be sent if it would violate applicable legal provisions.
3. In case of receiving a decision from a state authority or other international institution ordering detention or transfer of monetary funds or virtual currencies, the Account will be suspended.
4. The Operator may introduce limitations in Account functionalities in case of violation of security procedures by the User or to confirm compliance of actions with security procedures. Limitations will last no longer than 36 hours, with possibility of extension if it will be necessary for verification.

The User may contact the Operator through:

• email address: [email protected]
• mail (by letter) to address: Święty Marcin 29 / 8, 61-806 Poznań, Poland, unless specified otherwise in individual provisions of the Regulations.

1. Complaints regarding the provision of Services within the Service may be submitted using electronic communication means by sending a complaint to contact details according to §13.
2. The complaint should contain at least:
   • data of the person submitting the complaint, including email address, if it differs from the address indicated in the Service,
   • description of the factual state and basis for submitting the complaint.
3. Complaints mentioned in paragraph 1 above will be processed within 14 days from the day of receiving the complaint by the Operator.
4. The User will be informed about the method of processing the complaint by electronic letter sent to the User's email address.
5. Complaints regarding the provision of other services provided within the Service, not described in the Regulations, will be processed according to principles presented in separate regulations.

1. The administrator of personal data provided by the User within registration in the Service and using Services is the Administrator.
2. The Administrator collects and processes in accordance with applicable legal provisions and according to the Privacy Policy available at: paynowz.com/privacy which the User may obtain, record using the IT system.

1. The provisions of these Regulations enter into force on 26.02.2025.
2. In case of change or invalidation of any of the Regulations provisions by decision of a competent authority or court, the remaining provisions remain in force and bind the Operator and the User.
3. In matters not regulated in the Regulations, the provisions of the Act of April 23, 1964 - Civil Code and other applicable generally binding provisions apply.
4. The law applicable to resolving disputes related to the Regulations is the law of the Republic of Poland.
5. These disputes will be resolved by the competent common court.
6. In case of Users who are not consumers within the meaning of Article 221 of the Act of April 23, 1964 - Civil Code, the court with jurisdiction for the Operator's seat has jurisdiction.