Terms of Service

Last update: November 3rd, 2024

TABLE OF CONTENTS

Klink Finance sp. z o.o. is a Poland-registered company (“Klink Finance”).

By creating an account on the website or application of Klink Finance (“Platform”), it would be deemed that you have agreed to the terms and conditions laid down in this document. If you do not agree to be bound by these terms, do not access or use the Services.

You should read the terms and conditions, and any document referred to in them very carefully. If there is anything that you do not understand in the terms and conditions and any document referred to herein, you should discuss this matter with us and seek the necessary clarification.

Any formal communication with you will be undertaken through electronic mail unless otherwise instructed. Documents will be sent to you by electronic mail and you should seek to send any documents to us by the same means. Any formal communication with you will, unless otherwise agreed, be made in the English language. In the event of any discrepancy between the English language version of the terms or any such communications and any translation of the terms or such communications (as applicable) in a foreign language, the respective English version shall prevail.

If you conduct any transactions through the Platform, each such transaction may be subject to additional terms and conditions which you will be directed to read and accept at the applicable time. To the extent there is any inconsistency between these Terms and the additional terms and conditions applicable to a specific transaction, the additional terms and conditions applicable to the specific transaction shall apply to that specific transaction and any matters connected with it or arising therefrom.

Disclaimer:

Klink Finance, under any condition, does not and cannot guarantee the value of a digital asset. You acknowledge and agree that the value of a digital asset is subject to high levels of volatility and that purchasing, selling, and holding digital assets involves a high risk. You should be aware that the value of a digital asset can change rapidly, and that they are prone to hacking, fraud, regulatory bans, and insider trading.

1. Eligibility and prohibition of using our Services

1.1 To be eligible to create an account with Klink Finance and use any of the services (“Services”), you must meet and continue to meet the following criteria:

1.2 It is possible that we may not make all of the Services available in all markets and jurisdictions and may restrict or prohibit the use of all or a portion of the Services from restricted locations. The content of the Terms shall not be excluded from the laws of the country or region under which the user belongs. As a result, if you do not meet these eligibility requirements, you should not use our services.

2. Description of our Services

2.1 We offer an online platform via our Platform to provide custody and services for holding crypto assets (or also known as virtual financial assets, cryptographic tokens or digital tokens or cryptographic currency) and incentivizing holding crypto assets by providing returns and winnings. Users use our platform for financial management of their crypto assets; Klink Finance as the platform provider is not a participant in the winnings. Users may request the withdrawal of their crypto assets, subject to the limitations as stated in the Terms. Users will be able to access their crypto assets in their wallets, which are provided by Klink Finance.

2.2 Klink Finance provides the user with services including:

2.3 (i) By accepting the terms and conditions, you expressly agree to the pooling of your crypto assets with the other crypto assets holders on the platform. Individual user entitlements may not be identifiable by separate physical documents of title or other electronic record and, in the case of an irreconcilable shortfall, you may not receive your full entitlement and may share in the shortfall pro rata.

(ii) By accepting these terms and conditions you expressly agree that Klink Finance as a platform may use its common pool of crypto assets and fiat to convert them into one form or another as required.

(iii) You consent that Klink Finance may deposit, transfer, lend, pledge, repledge, hypothecate, rehypothecate, sell, lend, or otherwise transfer or use any amount of such crypto assets, and without retaining in the our possession and/or control any amount of crypto Assets or any other monies or assets, and to use such crypto assets as we may determine in order to generate returns with the third party providers and decentralised exchanges or otherwise deal with the crypto assets in the Klink Account as we deem fit.

2.4 Klink Finance, as applicable, shall not be obliged to accept orders unless sufficient crypto assets are available on the account for the payment of any related charges and expenses as applicable.

2.5 You hereby authorise us to send commercial information to you via email, SMS, mobile notification, or mailing address. You can opt out of such services by changing relevant settings on the Platform.

2.6 You acknowledge and consent that the services are provided by us according to its current technological capacity and other conditions. While we have made every effort to ensure continuity and security of the services, we are unable to completely foresee and hedge legal, technological and other risks including but not limited to force majeure, virus, hacker attack, system instability, flaw in third-party services, act of government, etc. that may result in service interruption, data loss and other losses and risks.

2.8 For abnormal transactions, market interruption and other abnormal conditions caused by system failure, network failure, distributed denial of service attacks (DDos) and other hacker attacks and other unexpected factors, we have the right to cancel the abnormal transaction results.

Abnormal transaction handling: You agree and acknowledge the possibility of discontinuity and disruption of the services due to connectivity problems of the crypto asset networks or other force majeure. Klink Finance does not assume any responsibility for any losses caused by the aforementioned situations due to your providing incorrect information that results in our inability reaching out and explaining to you the handling procedures.

2.9 We have the right to know the purpose and background of the users who use our products or services. Users should provide comprehensive and accurate information as required. If we have reasonable grounds to suspect that the user has provided false trading information, we are entitled to restrict the user from the use of some or all of our products and services temporarily or permanently.

3. Users' rights and limitations to licence use

3.1 We grant you a limited, nonexclusive, non-transferable licence, subject to the terms, to access and use our Platform and services, solely for approved purposes as permitted by us. You agree that you will not copy, transmit, distribute, sell, licence, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way, exploit any of our products and Services.

3.2 You agree that:

3.3 Klink Finance has the right to inquire, freeze or deduct the items and accounts of the User in accordance with the requirements of any applicable judicial organisations, administrative organisations and military organisations, including but not limited to public security organisations, procurator organisations, courts, customs, tax authorities and so on.

4. User obligations

4.1 Users shall not register multiple accounts for any purpose unless expressly allowed.

4.2 Users may not use another user's accounts.

4.3 Users must not use this Platform or services in any way that causes, or may cause, damage to this Platform or impairment of the availability or accessibility of this Platform; or in connection with any illegal fund payment and settlement including but not limited to payment by illegal means like fictitious transaction, false price, and transaction refund and so on; illegal cash-out activity via entity bank settlement account; illegal fund transfer from the bank settlement account of an entity to an individual account; illegal check cash-out activity or any unlawful, illegal, fraudulent or harmful purpose or activity under applicable laws and regulations.

4.4 Users are prohibited in any form from utilising the Platform to engage in illegal activities. Without the authorization or permission of Klink Finance, the user shall not use any of the commercial activities in the name of this Platform or in any other form as a place, platform or medium for engaging in commercial activities.

4.5 Users shall comply with all laws and regulations, and bear the responsibility and legal consequences of their own actions involving the Platform and Services. In addition, Users shall not infringe the legitimate rights and interests of any third party. Additionally, if Klink Finance suffers losses as a result of your actions then Klink Finance has the right to recover losses from the User via legal actions or other means.

4.6 If a User violates any obligation above, Klink Finance has the right to take all necessary measures directly, including but not limited to deleting the content posted by the User, cancelling the customer star rating and honour, freezing the User’s balance, pausing or seizing the user's account and illegal gains, and prosecution.

4.7 Users shall prepare devices and bear costs as follows: 1) internet-connected device, including but not limited to computer or other internet-connected terminals; 2) internet-accessing costs, including but not limited to internet fees, rental charges for internet-connected equipment, cellular data fees, etc.

5. Fees

5.1 Fees may be incurred for part of the services provided by us to the users. By using our services, you agree to incur these fees. The details of the fees are contained in Annex - B.

5.2 We may charge network fees ("Network Fees") to process a Transaction on your behalf. The estimated Network Fees for a particular Transaction will be disclosed at the time of initialization by you of a Transaction. Such estimated Network Fees shall be for indicative purposes only, which Klink Finance reasonably believes to be necessary for the successful completion of the relevant Transaction. The applicable Network Fees will be displayed upon completion of submission of the relevant Transaction.

5.3 Klink Finance has the right to set and modify our fee structure and at our own discretion. We may also start charging fees on free services. Any fee changes shall be announced in advance.

5.4 If you do not agree with any fees charged, You should stop using the Service immediately. You are still responsible for any fees previously incurred.

5.5 Unless otherwise stated or agreed, the user agrees that we have the right to automatically and without prior notice deduct the above-mentioned service fees directly from the assets of the User account.

5.6 If you do not pay in full and on time then Klink Finance reserves the right to interrupt, suspend or terminate the service.

6. Asset Services

6.1 Authorizations; Reversals; Cancellations

By clicking the “Buy”, “Sell”', “Deposit”, “Withdraw” or “Swap” button or any equivalent button on the Platform, you are authorising Klink Finance to initiate the Transaction at the quoted Buy Price, Sell Price or Swap Rate and agree to any associated conversion Fees and exchange rates. You cannot cancel, reverse, or change any Transaction marked as complete or pending. If your payment is not successful or if your payment method has insufficient funds, you authorise us, in our sole discretion, either to cancel the Transaction or to debit your other payment methods, including balances in your Wallet, for any amount necessary to complete the Transaction. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, insufficient funds, or similar fees charged by your payment provider.

6.2 Crypto Asset Transactions

We will process Transactions in accordance with the instructions we receive from you. You agree to verify all Transaction information prior to submitting the relevant instructions to us. We do not guarantee the identity of any user, receiver, requestor or other third party and we shall have no liability or responsibility for ensuring that the information you provide is accurate and complete. Transactions cannot be reversed once they have been sent. When you or a third party sends Assets to a Wallet from an external wallet not hosted on the Klink Finance, the person initiating the Transaction is solely responsible for executing the Transaction properly, which may include, among other things, payment of Network Fees in order for the Transaction to be successful. Non-payment of Network Fees may cause your Transaction to remain in a pending state outside of Klink Finance’s control and we are not responsible for delays or losses incurred as a result of an error in the initiation of the Transaction and have no obligation to assist in the remediation of such Transactions.

Once submitted to an Asset network, a Transaction will be unconfirmed for a period of time pending sufficient confirmation of the Transaction by the Asset network. A Transaction is not complete while it is in a pending state. Assets associated with Transactions that are in a pending state will be designated accordingly and will not be included in your Account balance or be available to conduct Transactions until confirmed by the network. We may also cancel or refuse to process any pending Transaction as required by law, regulation or any court or other authority to which Klink Finance is subject in any jurisdiction.

6.3 Supported Assets

Our Asset Services are available only in connection with those Assets that Klink Finance supports from time to time which we communicate to the users via the application directly. Under no circumstances should you attempt to use your Wallet to store, send, request, or receive Assets in any form that we do not support (although we will use reasonable efforts to help you move or sell Asset that we no longer support). We assume no responsibility or liability in connection with any attempt to use your Wallet for Assets that we do not support.

6.4 Asset Storage & Transmission Delays

Klink Finance securely stores Asset private keys (by way of a combination of online and offline storage), which is the means by which you can securely approve a Transaction. For the purpose of this section (Asset Storage & Transmission Delays), “offline storage” means storage in devices which are not connected to the internet (for example, USB hardware wallets). As a result of our security protocols to facilitate a Transaction in accordance with your instructions, you acknowledge that this may delay the initiation or crediting of such Transaction.

6.5 Third Party Payments

We have no control over, or liability for, the delivery, quality, safety, legality or any other aspect of any goods or services that you may purchase from, sell to, or swap with any third party (including other users of the Asset Services). We are not responsible for ensuring that a third party you transact with will complete the Transaction or is authorised to do so. If you experience any problem with any goods or services purchased from, sold to, or swapped with any third party using Asset transferred using the Asset Services, or if you have a dispute with such a third party, you should resolve the dispute directly with that third party.

6.6 Asset Protocols

We do not own or control the underlying software protocols which govern the operation of Crypto Assets supported on Klink Finance. Generally, the underlying protocols are ‘open source’ and anyone can use, copy, modify, and distribute them. We assume no responsibility for the operation of the underlying protocols and we are not able to guarantee their functionality, security, or availability. You acknowledge and accept the risk that underlying software protocols relating to any Asset you store in your Wallet may change.

Forks: In particular, the underlying protocols are likely to be subject to sudden changes in operating rules ("fork(s)"), and such forks may materially affect the value, function, and/or the name of the Asset you store in your Wallet. We may, without being obligated to do so in any manner, provide you with notices or alerts on forks and you must read such notices or alerts received from us to consider how to deal with upcoming forks. However, it is your responsibility to make yourself aware of, and consider how to deal with, upcoming forks. In the event of a fork, there is a risk that we may need to temporarily suspend operations in relation to that fork without providing advance notice to you. We may, in our reasonable discretion, decline to support either or both branches of a fork. You acknowledge the risks presented by forks and you accept that we shall have no responsibility to assist you to move or sell an unsupported branch of a forked protocol.

6.7 Title to Assets

You agree and acknowledge that all Assets in your Wallet are custodial assets held by Klink Finance for your benefit. Among other things, this means:

7. Custodial Service

7.1 Maintaining Sufficient Assets

You agree at all times to maintain sufficient Assets in your Wallet(s) for the purpose of effecting your instructions and for paying any Amounts Payable. You acknowledge and agree that if at any time there are (having regard to other payments debited or due to be debited) insufficient Assets and/or Fiat Currency in a relevant Wallet, Klink Finance Group may, in our absolute discretion and without any obligation to do so:

7.2 Transactions

You may send, receive and store the Assets by providing instructions to Klink Finance as your custodian. You may also request Klink Finance in its capacity as your custodian to transfer the Assets from your Wallet to a specified blockchain address by providing instructions to that effect. You must ensure that there are sufficient Assets and Fiat Currency in your Wallet to cover any such Transaction(s). Klink Finance may charge a fee for sending your Assets to, or transferring your Assets from, a Wallet, as set out in Annex-B.

7.3 Instructions to Klink Finance for Custodial Services

You authorise us to accept, rely upon and/or act upon any instructions received by us without inquiry, assuming the authenticity of any such instructions given or purportedly given by you or any person authorised by you, or that any person claiming to be your authorised representative is in fact that person. You acknowledge and agree that once given, an instruction cannot be revoked and if acted on by Klink Finance, the instruction will be binding on you. Klink Finance reserves the right at all times to decline to accept your instructions, without giving any reason or explanation or prior notice. For example, Klink Finance may, in addition to any other rights it may have:

If Klink Finance exercises its rights under this section, you must pay Klink Finance on demand any loss that Klink Finance incurs in relation to any action taken under that Section or any Applicable Law. We may complete your instructions by multiple Transactions and you authorise us to accumulate those Transactions on a single record and specify the volume weighted average price for those Transactions.

7.4 Risk Factors

This Section provides a summary of certain risks relating to using Custodial Services. There are other risks involved in using the Custodial Services. In addition to the risks detailed in the Risk Disclaimer Policy following general risks apply to the Custodial Services:

8. Transaction limits, source of funds, restrictions

8.1 Transaction Limits

The use of any or all the Services is subject to a limit on the volume (stated in Fiat Currency or Crypto Asset) of which you may transact or transfer in a given period (e.g. daily). Please see Annex-D (Verification Procedures and Limits) for further details. Your transaction limits may vary depending on your payment method, verification steps you have completed, and other factors. We reserve the right to change the applicable limits from time to time as we deem necessary without prior notice to you.

8.2 Source of Funds

All persons accessing the Platform shall at all times adhere to and comply with all relevant financial crime regulations, including without limitation any Applicable Law, rules, internal policy or regulatory requirement pertaining to money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, slavery, proliferation of weapons of mass destruction, the trafficking of arms, drugs, humans or wildlife, or evasion of Sanctions (collectively known as “Financial Crime Regulations”) with respect to all Transactions or matters whatsoever and howsoever arising whether directly or indirectly from transacting with or via us. All persons accessing the Platform warrant and undertake (a) that all monies and assets deposited with us from time to time, whether fiat or crypto currency, shall come from a legitimate (and not illegal) source and are not proceeds of any illegal or unlawful activity and (b) to do all such acts and things as may be necessary to enable us to comply with Financial Crime Regulations.

8.3 Enhanced Due Diligence

We may require you to submit additional information about yourself or your business, provide records, and arrange for meetings with our staff if you wish to raise your limits in respect of any or all the Services ("Enhanced Due Diligence"). We reserve the right to charge you costs and fees associated with such Enhanced Due Diligence although if we intend to do so, we will notify you in advance so that you can decide whether you wish to proceed with the request. In our discretion, we may refuse to raise your limits, or we may lower your limits at a subsequent time even if you have completed the Enhanced Due Diligence.

8.4 Restriction

You agree that you will not transfer your assets to any other wallet unless explicitly allowed by Us to do so.

9. Suspension, termination, and cancellation

9.1 Reservations

We may: (a) refuse to complete, or block, cancel or reverse a Transaction you have authorised (even after funds have been debited from your Account), (b) suspend, restrict, or terminate your access to any or all of the Services and/or (c) deactivate or cancel your Account with immediate effect for any reason, including without limitation where:

If we refuse to complete a Transaction and/or suspend, restrict or close your Account, and/or terminate your use of any of the Services, we will (unless it would be unlawful for us to do so) provide you with notice of our actions and where appropriate the reasons for refusal, suspension or closure, and where applicable, with the procedures for correcting any factual errors or other issues that led to such refusal, suspension or closure. In the event that we refuse to complete a Transaction and/or suspend your Account, we will lift the suspension or complete the Transaction as soon as reasonably practicable once the reasons for refusal and/or suspension no longer exist. However, we are under no obligation to permit you to reinstate a Transaction at the same price or on the same terms as the suspended, reversed or cancelled Transaction. We may suspend, restrict, or terminate your access to any or all of the Services and/or deactivate or cancel your Account, without any reason whatsoever. You acknowledge that our decision to take certain actions, including limiting access to, suspending, or closing your Account, may be based on confidential criteria that are essential for the purposes of our risk management and security protocols. You agree that we are under no obligation to disclose the details of such risk management and security protocols to you.

9.2 Consequences of Termination or Suspension

Upon termination of the Services for any reason, unless prohibited by Applicable Law or by any court or other order to which Klink Finance is subject in any jurisdiction, you are authorised to access your Account for thirty (30) days thereafter for the purposes of transferring any Asset from your Account. You are not permitted to use the Services or your Account for any other purposes during such period and we may, at our discretion, limit the functionality of the Platform for you accordingly. After the thirty (30) days’ period, you shall no longer have access to the Services or your Account (which will be closed by us). If there is any Asset remaining in your Wallet after the termination, Klink Finance shall have the discretion to transfer the Asset out of Klink Finance and to your other accounts based on the information you have provided to Klink Finance, or otherwise deal with the Asset in accordance with Applicable Laws and regulations such as laws governing unclaimed monies and assets. If we suspend or close your Account or terminate your use of the Services in whole or in part for any reason, we reserve the right to require you to complete the procedures again before permitting you to transfer or withdraw any Asset. You may cancel your Account at any time by withdrawing all balances in your Wallet and you shall notify us in writing of such cancellation. You will not be charged for cancelling your Account, although you will be required to pay any outstanding amounts owed by you to us. You authorise us to cancel or suspend any pending Transactions in your Account at the time of cancellation of your Account. Provided any termination of the Services shall not affect the rights of Klink Finance which have accrued or arisen prior to and up to the date of such termination.

10. Change, interruption, termination, and discontinuance of Services

10.1 Klink Finance reserve the right, in its sole discretion, to discontinue or terminate the services provided to you without notice, temporarily or permanently, including, but not limited to, the following cases:

11. Compliance with your local laws

11.1 It is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the services, and to withhold, collect, report and remit the correct amounts of taxes to the appropriate tax authorities. Additionally, you agree to comply with all relevant laws of the EU as applicable. When using our Services, you acknowledge that your actions are in a legal and proper manner and your sources of crypto assets are not from illegal activities. We may discretionarily or in coordination with local law enforcement authorities seize, restrict or close-out your account, fiat currency and crypto assets.

12. Accuracy of information

12.1 While we have made every effort to ensure the accuracy of the information on our Platform, the information and content on the Platform is subject to change without notice and is provided for the sole purpose of assisting users to make independent decisions. We have taken reasonable measures to ensure the accuracy of the information on the Platform; however, we do not guarantee the accuracy, suitability, reliability, completeness, performance and/or fitness for purpose of the content of any services or products available through the Platform, and will not accept liability for any loss or damage that may arise directly or indirectly from the content or your inability to access the Platform, for any delay in or failure of the transmission or the receipt of any instruction or notifications sent through our platform. We will not have any liability for the use or interpretation of such information.

13. Warranties and Liabilities

13.1 All persons accessing the Platform warrant and undertake; (a) that all monies and assets deposited with us from time to time, whether fiat or crypto currency, shall come from a legitimate (and not illegal) source and are not proceeds of any illegal or unlawful activity and (b) to do all such acts and things as may be necessary to enable us to comply with Financial Crime laws. We may also block, cancel or reverse or refuse to complete a Transaction you have authorised where there are insufficient Assets in your Wallet to cover the Transaction and (where applicable) associated fees at the time of which we receive notification of the Transaction or if your credit or debit card or any other valid payment method linked to your Account or Wallet is declined. You, further, represent and warrant that you are, and shall remain at all times, the ultimate and effective legal and beneficial owner of any crypto assets held by Klink Finance, that you shall not act as nominee or trustee for any other person and that you shall not transfer, assign, pledge, charge or otherwise create any security interest or encumbrance whatsoever over such crypto assets without the prior written consent of Klink Finance.

14. Severability

14.1 If any of these Terms shall be found by any court or other body of competent jurisdiction as illegal, unenforceable or void, such shall not have any effect on other provisions of these Terms and these other provisions shall remain in full force and effect to be interpreted under any Applicable Laws.

15. Privacy policy

15.1 Please refer to our privacy policy for information about how we collect, use, and share your information.

16. Indemnity

16.1 You agree to indemnify us, our third party service providers, and each of our agents (if any), employees, officers, directors, affiliates, subsidiaries, predecessors and successors in interest, and hold them harmless from and against any actual or threatened loss, claim, demand, damage, or any other liabilities arising from your use of our Services and/or Platform. You further agree to indemnify us against all third-party claims arising out of or related to:

17. Governing law

17.1 The Terms, your use of the Services, any claim, counterclaim or dispute of any kind or nature whatsoever arising out of the Terms, directly or indirectly, shall be governed by, and construed in accordance with the laws of the United Kingdom without regard to the principles of conflicts of laws thereof.

18. Jurisdiction, class action waiver and dispute resolution

18.1 You acknowledge and agree that in the event of any dispute, controversy, difference or claim, including the existence, validity, interpretation, performance, breach or termination of the Terms or any dispute arising out of or relating to the Terms (“Dispute”), the parties shall first refer to the dispute resolution mechanism.

18.2 You agree that any claims relating to these Terms or otherwise related to your relationship with Klink Finance shall be resolved through arbitration and on individual basis only and not as a class member through a class action suit or representative action. You, hereby, agree to waive any right for such claims to be brought via any dispute resolution method as a class or any other mode of collective action as permitted by Applicable Law. However, individual arbitrations may be consolidated through express consent of the concerned parties in a written form.

19. Dispute Resolution

19.1 Complaints

A complaint may be made by you against Klink Finance; or any other person in respect of activity that occurs on the Platform, by submitting a complaint through the channel provided on the website/email. Klink Finance will acknowledge your complaint within ten (10) business days of its receipt by Klink Finance. Klink Finance will consider your complaint without prejudice based on the information that you have provided and any related information that Klink Finance considers relevant. Within twenty (20) Business Days of receipt of your complaint in writing by:

Upon receipt of the written response by you from Klink Finance, you will have twenty (20) Business Days to accept or reject the offer in accordance with the instructions set out in the response. If you shall fail to respond to the written response from Klink Finance, Klink Finance may treat the complaint as withdrawn, resolved or closed at its sole discretion.

19.2 Arbitration

Meeting. If either Party gives the other Party a written notice claiming that any dispute or difference (“Dispute”) has arisen and the Parties are unable to resolve the Dispute within ten (10) Business Days of service of that notice, then the Parties must:

Submission to Arbitration. If the meeting referred to in Section 16.2 (Meeting) either:

19.3 Arbitration Proceedings

Subject to Submission to Arbitration, any Dispute must be referred to and finally resolved by binding arbitration administered by the London Court of International Arbitration (“LCIA”) in accordance with the LCIA Rules (“Rules”), as in force when the Notice of Arbitration is submitted in accordance with those Rules. The appointing authority shall be the LCIA and the arbitration proceedings must be conducted in English. The arbitral tribunal is to be constituted by one (1) arbitrator appointed by mutual decision of the Parties. If the Parties cannot agree upon an arbitrator within ten (10) Business Days from the date the Respondent receives the Notice of Arbitration, the arbitrator is to be appointed by the LCIA. The arbitration award is final and binding on the Parties and the Parties agree to be bound by it and to act accordingly. Unless required by Applicable Laws or regulatory requirements or with the prior written consent of the Parties, the content, existence and award of any arbitral proceedings must be kept confidential. The costs of the arbitration and reasonable legal fees will be payable by the Parties as the arbitrator may direct in the arbitration award. Unless the Parties otherwise agree in writing or until the arbitral tribunal hands down an award, the Parties are obliged to continue fulfilling their obligations under the Terms notwithstanding the commencement of an arbitration.

19.4 Enforcement of Arbitration Award

20. General feedback and miscellaneous

20.1 Feedback

If you have any complaints, feedback, or questions, please contact our Customer Service. When you contact us, please provide us with your name and email address and any other information we may need to identify you, and the transaction on which you have feedback, questions, or complaints to support@klinkfinance.com

20.2 Miscellaneous

These Terms set forth the complete understanding and entire agreement between the parties with respect to the subject matter hereof and supersedes all prior understandings and communications relating thereto. No term or condition of any other document provided to Klink Finance which is different from, inconsistent with, or in addition to the terms and conditions set forth herein will be binding upon the Parties. You represent and warrant that all information disclosed to Klink Finance in connection with these terms are true, accurate, and complete.

21. Modification and Update of terms

21.1 Klink Finance reserves the right to change or modify the terms and conditions contained in this document, including but not limited to any policy or guideline of the platform, at any time and our sole discretion. We will provide notice of these changes by posting the revised Terms that are visible on this website through means as determined by us at our sole discretion. Any changes or modifications may be effective immediately upon posting the revisions to the website or at the instant that we transmit the information. Further, Klink Finance Group may use certain service providers to make certain Services, functions or information available to the user. We may change any service provider at any time without prior notice to you or any of our users. In addition to the Terms, your access and use of the Platform and Services is subject to the terms and conditions imposed by relevant third parties from time to time, as notified to you as per the terms of such Communication.

21.2 If you do not agree to the terms in effect when you access or use the platform then you must stop using our services. We encourage you to frequently review these terms to ensure that you understand the terms and conditions that apply to your access to, and use of, the Services. All changes to the terms and conditions will be posted in the legal section of the website.

Annex - A

Annex - B

Klink Finance does not charge any additional fees not mentioned in this table. This does not include any third-party or network fees that might be changing on an ongoing basis.

Annex - C