These Terms of Service ("General Terms") are a legal agreement between you ("you," "your") and Golden Jade Finance Limited, doing business as GlindaPay ("GlindaPay," "we," "our," or "us"), a legal entity organized and existing under the laws of Hong Kong, with company registration number 60013986 and having its registered address at Flat/RM 150, 1/F Yue Man Centre, 300 Ngau Tau Kok Road, Kwun Tong KL, Hong Kong, Hong Kong SAR. These General Terms govern your use of our services, including websites, mobile applications, software, and other products and services (collectively, the "Services").

By using any of the Services, you agree to these General Terms and any referenced policies ("Policies"), as well as any applicable additional terms ("Additional Terms") that may apply to specific Services. These terms form a legally binding agreement between you and GlindaPay. You should read them carefully before using our Services.

1. Products, Registration, and Verification

Products
Our Services include digital financial tools designed to provide you with a seamless and secure experience in managing your finances and making payments. These tools are accessible through our website and mobile applications. In addition, through our financial services partners, you may have access to prepaid cards, payment solutions, and other financial products, subject to separate terms and conditions.

Registration
To access our Services, you must register for an account ("Account"). During the registration process, we will collect personal information from you including, but not limited to, your name, contact details, and date of birth. It is your responsibility to ensure that all information provided is accurate and up to date. You are solely responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account.

We reserve the right to suspend or terminate your Account if we determine that you have provided false or misleading information or have violated any part of these Terms.

Verification
To comply with legal obligations, including anti-money laundering (AML) and counter-terrorist financing (CTF) regulations, we are required to verify your identity. This may involve asking for additional documentation such as proof of identity, proof of address, or other relevant data. You agree to cooperate with these requests. Failure to do so may result in the suspension or termination of your Account.
We may use third-party service providers to carry out these verification processes. By using our Services, you consent to our use of such services.

2. Transaction and Account History

When you perform a transaction using our Services, we will provide you with a digital confirmation and update your Account with the relevant details. Transaction histories and monthly statements will be available for review on our platform for at least 12 months.
You are responsible for monitoring your Account activity and maintaining your own transaction records. If you identify any unauthorized or suspicious activity, you must notify us immediately.

3. Use Restrictions

Restrictions
You agree not to use our Services as a payment facilitator or to process transactions on behalf of third parties. The Services may not be used for any activity that is illegal or prohibited under applicable laws.
We reserve the right to investigate and take appropriate action, including suspending or terminating your Account, if we detect any misuse or fraudulent activity.

Prohibited Industries
Our Services must not be used for the following business activities:
- Sale of paraphernalia associated with illegal substances
- Unauthorized or deceptive multi-level marketing schemes
- Cash disbursement services or check cashing
- Sale of prepaid cards, foreign currency, or money orders
- Wire transfer services
- Telemarketing or high-risk industries
Any business that could cause reputational harm or legal risk to GlindaPay

Limits
We may impose limits on your transactions or overall Account activity based on risk and compliance considerations. These limits are subject to change at our sole discretion.

4. Privacy and Security
Privacy
Our Privacy Policy explains how we collect, use, and protect your personal data. By using our Services, you agree to the practices outlined in the Privacy Policy. Additional privacy policies may apply if you use third-party services or financial partners through our platform.
Security
We implement industry-standard security measures to protect your data and financial information. However, no system is completely secure. We do not guarantee that unauthorized access, hacking, or other breaches will not occur. You are responsible for safeguarding your login credentials and device access.
You agree to notify us immediately in the event of any suspected unauthorized use of your Account.

5. Communications
You consent to receive electronic communications from us, which may include email, SMS, push notifications, and calls. These communications may be used for authentication, account management, service notifications, and marketing purposes.

You may opt-out of marketing communications at any time by following the unsubscribe instructions provided. However, opting out of service notifications may affect your ability to use the Services effectively.

6. Termination
We may suspend or terminate your Account at any time for any reason, including suspected fraud, failure to comply with these Terms, or as required by law.
You may close your Account by contacting us at support@glindapay.com. Termination does not relieve you of any outstanding obligations, including fees, penalties, or unresolved disputes.
Upon termination:
- Your license to use our Services ends
- We may delete your information from our systems
- We are not liable for any resulting loss of data or services

7. Your License
We grant you a limited, revocable, non-exclusive, non-transferable license to use our software and applications in accordance with these Terms. We may provide updates or changes to the software which must be accepted to continue using the Services.

8. Ownership
All content, software, and intellectual property rights associated with the Services belong to GlindaPay or its licensors. You may not reproduce, distribute, or exploit any part of the Services without our written permission.
Suggestions or feedback provided to us may be used without compensation or obligation.

9. Indemnity
You agree to defend, indemnify, and hold harmless GlindaPay, its affiliates, and service providers from any claims, damages, or expenses arising out of your use of the Services, violation of these Terms, or infringement of any third-party rights.

10. Representations and Warranties
By using the Services, you represent that:

• You are at least 18 years of age
• You are legally able to enter into a contract
• All information you provide is accurate
• You will comply with all applicable laws
• You will not use the Services for any illegal or unauthorized purpose

Each transaction represents a legitimate sale or transfer and complies with applicable laws.

11. No Warranties
The Services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose. We do not guarantee that the Services will be error-free or uninterrupted.

12. Limitation of Liability
To the fullest extent permitted by law, GlindaPay is not liable for indirect, incidental, or consequential damages, including lost profits, data loss, or service interruptions. Our liability is limited to the maximum amount permitted under applicable law.

13. Set-Off
We may set off any debt or obligation you owe us against funds held in your Account. This includes any negative balances, fees, or other amounts due under these Terms.

14. Disputes
Any dispute must be raised within 90 days of the event giving rise to the claim. These Terms are governed by the laws of Hong Kong. Disputes may be resolved through arbitration or litigation, depending on the nature of the claim and applicable laws.

15. Miscellaneous
Currency Conversion. Transactions conducted in foreign currencies may be converted into HKD using applicable exchange rates. Additional fees may apply.
Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to any affiliate or in connection with a corporate transaction.
Third-Party Services. Our Services may link to or incorporate third-party services. We are not responsible for the terms, practices, or performance of those services. Use of third-party services is at your own risk.
Other Terms. If any provision of these Terms is found to be unenforceable, the remaining terms will remain in effect. These Terms, along with our Policies and any applicable Additional Terms, constitute the entire agreement between you and GlindaPay.

Entity Information
GlindaPay is a trade name of Golden Jade Finance Limited, a legal entity organized and existing under the laws of Hong Kong with company registration number 60013986, having its registered address at Flat/RM 150, 1/F Yue Man Centre, 300 Ngau Tau Kok Road, Kwun Tong KL, Hong Kong, Hong Kong SAR.

© GlindaPay 2025. All rights reserved.