Service Terms

These Service Terms govern your use of the PekoFlow platform. They are entered into with Peko Payment Services LLC (referred to below as "Peko", "we" or "us"). By registering for the Platform account or using the platform in any way, the merchant ("you" / “Merchant”) accepts these Service Terms.

By using PekoFlow, you acknowledge that payment processing services are provided by independent regulated and licensed Acquiring Partners. Peko provides only technology, integration and orchestration services and is not responsible for regulated payment activities performed by an Acquiring Partner.

What is Peko Flow?

PekoFlow is a technology platform (the “Platform”) that helps businesses accept online payments through licensed third-party payment providers, acquirers or payment gateways available through the Platform, each called an Acquiring Partner. Peko provides the tools that allow your customers to pay through a secure checkout page, helps route payments to one of the licensed payment providers available through the Platform, passes payment updates between that Acquiring Partner and your business systems, and gives you access to transaction, reconciliation and dispute information through a dashboard.

Peko is not a bank, is not a payment institution, is not a payment aggregator, is not a payment service provider or acquirer and is not a card scheme. Peko is not a party to the regulated payment services provided by an Acquiring Partner and does not act as the merchant of record, payment institution, acquirer or issuer in relation to those services. Peko does not hold, control, receive on trust or take title to any funds paid by your customers. Peko does not process card data on its own systems; card data is entered on the Acquiring Partner's hosted page.

Regulated services are provided by the Acquiring Partner. All regulated payment processing activities including acceptance of card and wallet payments, holding of funds, settlement to your bank account, chargeback adjudication, refund execution, sanctions and AML screening of individual transactions, and any regulator interface are performed by the Acquiring Partner under its own licence and its own agreement with you. Peko does not make and is not empowered to make any regulated decision on behalf of an Acquiring Partner.

How does Peko Flow work?

Your use of PekoFlow requires two separate agreements:

These Service Terms, between you and Peko, which govern the technology platform, dashboard, APIs, orchestration engine, reporting, support and related services.

A separate Merchant Agreement between you and each Acquiring Partner enabled for your account, which governs the regulated payment service, funds handling, settlement, refunds, chargebacks, fees and dispute resolution for payments processed by that Acquiring Partner.

Peko is not the agent of any Acquiring Partner and no Acquiring Partner is Peko's agent. Peko does not sell, resell, endorse or guarantee any Acquiring Partner's service. You alone are responsible for reading, accepting and complying with each Acquiring Partner Merchant Agreement.

In the event of any conflict between these Service Terms and an Acquiring Partner Merchant Agreement in respect of a regulated matter (funds, settlement, refunds, chargebacks, KYB decisions, AML/sanctions handling, or any obligation owed under an Acquiring Partner's licence), the Acquiring Partner Merchant Agreement governs and prevails, and Peko has no obligation or liability in respect of that regulated matter.

Peko may add, remove or replace Acquiring Partners available through PekoFlow at its discretion. Removal of an Acquiring Partner does not affect transactions already processed through that Acquiring Partner, which remain governed by its Merchant Agreement. Peko does not guarantee that any particular Acquiring Partner will remain available through the Platform. Acquiring Partners may suspend, terminate or cease providing services at any time in accordance with their own agreements, regulatory requirements or business decisions.

On removal or suspension of an Acquiring Partner, (i) in-flight transactions will complete under the removed Acquiring Partner's Merchant Agreement, (ii) unsettled amounts are governed by the removed Acquiring Partner's Merchant Agreement, and (iii) you must reconfigure your integration within the notice period.

Eligibility and Onboarding

You may register for the Platform account only if you are a business entity duly incorporated, licensed to conduct the activities you intend to accept payments for, and you have the authority to bind that entity. Individuals acting in a personal capacity are not eligible.

On registration you are given access to a sandbox environment for integration testing only. Live mode (real-money transactions) is unlocked only after (i) Peko has completed its onboarding requirements necessary to activate your Platform account, (ii) any approvals, authorisations or requirements necessary to enable payment processing through the Platform have been obtained, and (iii) you have accepted these Service Terms and the relevant Acquiring Partner Merchant Agreements.

Beta, preview or trial features are provided as-is and may be modified or withdrawn at any time. Beta features are excluded from any service level commitments and may not be suitable for production use.

You will provide accurate, complete and current information about your business, ultimate beneficial owners, directors, licences and bank account. You authorise Peko to collect the documents specified during onboarding (trade licence, memorandum/articles, share register, IDs of controllers and signatories, VAT registration, bank verification, and any additional document an Acquiring Partner requires) and to share those documents with the relevant Acquiring Partner(s) made available through the Platform so the Acquiring Partner can perform its own KYB. Peko collects and transmits onboarding information solely for the purposes of enabling Platform access and facilitating Acquiring Partner onboarding. Peko does not make any regulated merchant acceptance decision.

Peko may refuse to activate, or an Acquiring Partner may refuse to approve, an account for any lawful reason including where information is incomplete or unverifiable, where the business falls within a category prohibited by these Service Terms, the Acceptable Use Policy or the Acquiring Partner's own rules, or where activation is prohibited by sanctions or applicable law. Where the Acquiring Partner declines, Peko has no obligation to override that decision.

You must ensure that all onboarding information, KYB documentation and other information provided to Peko or any Acquiring Partner remains accurate, complete and current. You will promptly notify Peko of any material change and provide updated documents upon request. Peko and any Acquiring Partner may require periodic renewal, re-verification or replacement of documents to maintain access to the Platform and regulated payment services. Failure to provide updated information may result in restrictions, suspension or termination of your account or payment processing capabilities.

The services Peko provides

Subject to these Service Terms, Peko may make available to you the following technology services:

• Self-service dashboard for merchant account management and security features, including profile settings, authentication controls and other functionality made available through the Platform.
• Payment acceptance through hosted payment links, a hosted checkout page and a developer SDK/API (order creation, payment intents, webhooks) for integration into your sites and apps.
• Orchestration and routing between the Acquiring Partners you have enabled, using our decision engine.
• Transaction management: orders, transaction history, refund initiation, dispute evidence submission.
• Reporting and analytics: revenue dashboards, exportable transaction, settlement, refund and dispute reports.
• Standard technical support during Peko's business hours in accordance with the support description on the Platform.

Dashboard data is provided for operational convenience and should be verified against records supplied by the relevant Acquiring Partner. Acquiring Partner records shall prevail in case of inconsistency.

Peko will use commercially reasonable efforts to keep the Platform available but does not warrant uninterrupted or error-free operation. Planned maintenance and third-party (including Acquiring Partner, card scheme and telecommunications) unavailability are excluded from any availability calculation.

You acknowledge and agree that transaction routing decisions between Acquiring Partners are made by Peko's decision engine (which may consider Acquiring Partner health, cost, method support, currency and business rules configured by Peko). You will not have per-transaction control over which Acquiring Partner handles a given payment unless Peko expressly enables such control in writing. Each transaction confirmation will identify the Acquiring Partner that processed that transaction. Peko may take into account availability, performance, risk, payment method support, pricing and other operational factors when routing transactions. Peko does not warrant that routing will maximise authorisation rates, minimise fees or optimise settlement timing. Routing decisions are made using automated operational criteria and do not constitute professional advice or a guarantee that any transaction will be successfully authorised or settled.

Peko may modify, enhance, replace or discontinue features of the Platform from time to time without notice.

Merchant obligations

You will use the Platform only for lawful business purposes, only in respect of transactions that fall within the authorisations granted by each Acquiring Partner, and only in compliance with these Service Terms, the Acceptable Use Policy, the Privacy Policy, and all applicable laws (including data protection, consumer protection, sanctions, anti-bribery, tax and eCommerce laws) in every jurisdiction relevant to your business.

You will at all times comply with each Acquiring Partner's Merchant Agreement, operating rules, prohibited business list, chargeback policy, security standards (including PCI DSS to the extent applicable to you) and card scheme rules (Visa, Mastercard, American Express and any other scheme relevant to the payment methods you enable). Non-compliance by you with an Acquiring Partner's rules may result in that Acquiring Partner suspending or terminating your service, and Peko will implement any such instruction from the Acquiring Partner without further notice to you.

You will safeguard your credentials, API keys and webhook signing secrets, enforce multi-factor authentication for all users, restrict access by role, and notify Peko immediately of any suspected unauthorised access. You are responsible for all activity conducted through your account.

You will accurately describe your business, products and services to your customers, publish your own terms of sale, refund policy and privacy notice, and honour the transactions you accept. Any change of business activity, ownership, licence status or jurisdiction of operation must be notified to Peko promptly and to your Acquiring Partner in accordance with its Merchant Agreement.

You shall cooperate with fraud investigations, card scheme enquiries, regulatory requests and law enforcement requests relating to transactions processed through Platform.

You will maintain throughout the term all licences, permits, registrations, approvals and other authorisations required to conduct your business and to offer the products and services for which you use The Platform. You will notify Peko promptly if any such licence, permit or authorisation expires, is suspended, revoked, restricted or becomes subject to investigation or enforcement action.

You will maintain any insurance required by applicable law, an Acquiring Partner or the nature of your business.

You are responsible for the security, operation and maintenance of your websites, mobile applications, systems and networks. You will implement and maintain appropriate administrative, technical and organisational security measures to protect your systems against unauthorised access, malware, fraud, data breaches and other security incidents. Peko is not responsible for vulnerabilities, failures or security incidents arising from your systems, websites or applications.

You will maintain industry-standard security controls for your systems and online properties, including access controls, security patching, malware protection, encryption where appropriate, secure software development practices and monitoring procedures designed to detect and prevent unauthorised access, fraud and data compromise. You will promptly notify Peko of any actual or suspected security incident that may affect your use of The Platform or any transaction processed through the Platform.

You remain solely responsible for the goods and services you sell, customer support, refunds required under consumer law and compliance with applicable consumer protection legislation.

Warranties

Merchant represents and warrants that: (a) all information, documents and materials provided to Peko or any Acquiring Partner during onboarding or thereafter are accurate, complete and not misleading; (b) it owns or has obtained all rights, licences and permissions necessary to use and provide any content, materials, trademarks, logos or data made available through the Platform; (c) its business, products and services are lawful and may be marketed, sold and paid for in each jurisdiction in which it operates; and (d) it will not use the Platform on behalf of any undisclosed third party.

Fees, funds and settlement

Registration for the Platform account is free. Certain features, services, subscriptions or premium functionality may be offered by Peko for a fee in the future. Where applicable, such fees will be communicated through the applicable pricing page, Order Form or Fee Schedule, and by using the relevant paid feature or service, you agree to pay the applicable fees. Unless expressly stated otherwise, all fees payable to Peko are exclusive of VAT and any other applicable taxes. Merchant is responsible for such taxes and, where required by law, may withhold taxes from payments to Peko, provided Merchant promptly provides documentation evidencing the withholding.

Payment processing charges, interchange fees, card scheme fees, cross-border fees, chargeback fees and any other fees relating to regulated payment services are charged by the relevant Acquiring Partner under its Merchant Agreement, not by Peko.

Payment funds flow directly from your customer to the relevant Acquiring Partner and from the Acquiring Partner to your registered bank account. Peko does not, at any time, hold, receive, control, safeguard, transmit or take title to customer funds. Settlement timing, reserves, rolling reserves, holds, payouts and any delays are determined and administered solely by the relevant Acquiring Partner in accordance with its Merchant Agreement.

Refunds are executed by the relevant Acquiring Partner in accordance with its Merchant Agreement and applicable payment network rules. Peko may provide functionality that enables Merchant to initiate or manage refund instructions through the Platform, but Peko does not hold, receive, control, transmit, advance or refund customer funds. Refund execution remains the responsibility of the relevant Acquiring Partner.

Where Merchant subscribes to any paid feature or service offered by Peko, Peko may suspend or restrict access to those paid features or services if undisputed amounts owed to Peko remain overdue after reasonable prior notice.

Chargebacks and disputes

Chargebacks, representments, retrieval requests, scheme monitoring outcomes and any related fees are administered by the Acquiring Partner under its Merchant Agreement and applicable card scheme rules. Financial responsibility for chargebacks rests with you as the merchant.

The dashboard surfaces disputes, lets you upload evidence and tracks status. Adjudication of the dispute and any financial adjustment is made by the Acquiring Partner (subject to scheme rules and applicable laws), not by Peko.

If you have more than one Acquiring Partner enabled through the Platform and an Acquiring Partner suffers an unrecovered chargeback loss caused by your fraud, misrepresentation, non-compliance or absconding, you authorise Peko to coordinate remediation with your Acquiring Partners, without prejudice to Peko's other rights under these Service Terms. This does not constitute an assumption by Peko of any regulated liability. Peko may offset any rebate, incentive or other amount separately payable by Peko to Merchant under a written agreement between the parties.

Data

Personal data handling is governed by the Privacy Policy which forms part of these Service Terms.

You acknowledge that Peko will share the information and documents you provide with the Acquiring Partner(s) enabled for your account, and with Peko's affiliates, subcontractors and service providers, for the purposes described in the Privacy Policy. Sharing with an Acquiring Partner is a condition of enabling that Acquiring Partner and cannot be opted out of while the Acquiring Partner is enabled on your account.

For end-customer personal data you present through your checkout (including name, email address, phone number, billing address and order details), you are the controller (or equivalent concept under applicable data protection law). Peko processes such personal data as your processor (or equivalent concept) solely on your documented instructions to provide the Platform, including routing transactions, transmitting transaction-related information and performing related Platform services. You are responsible for providing all required privacy notices to end-customers and obtaining any consents required under applicable law.

Before termination or expiration of the Services, Merchant may export or download available dashboard data using the Platform's standard functionality, subject to applicable law, regulatory requirements, retention obligations and any restrictions imposed by an Acquiring Partner.

Peko does not sell your data or your customers' data to any third party.

Data Protection Roles

Merchant acknowledges that, depending on the nature of the personal data processed, Peko may act either as an independent controller or as a processor, as described below.

(a) In relation to Merchant account information, onboarding information, KYB documentation, compliance records, security logs and information processed by Peko for its own legal, regulatory, security, fraud prevention, service improvement or business administration purposes, Peko acts as an independent controller (or equivalent concept under applicable law).

(b) In relation to end-customer personal data processed by Peko solely to provide the Platform, route transactions, transmit transaction-related information and perform related services on Merchant's behalf, Peko acts as a processor (or equivalent concept under applicable law) and processes such data in accordance with Merchant's instructions and the Privacy Policy. Peko may process personal data as an independent controller where required to comply with legal obligations, maintain Platform security, prevent fraud, improve the Platform, establish or defend legal claims or otherwise where permitted by applicable law.

(c) Each party will comply with its obligations under applicable data protection laws in relation to personal data for which it acts as a controller.

Intellectual Property

The Platform name, marks, Platform, dashboard, APIs, SDKs, documentation, decision engine, reports and all associated intellectual property are and remain the property of Peko and/or its affiliates and/or licensors. Subject to these Service Terms, Peko grants you a non-exclusive, non-transferable, revocable licence to access and use the Platform during the term for the purposes described in these Service Terms.

You retain all rights in your merchant content, logos and business data. You grant Peko a limited licence to display your merchant content (name, logo, product descriptions) on hosted checkout pages and receipts for the purpose of processing your transactions.

You will not (a) copy, reverse engineer, decompile or create derivative works of the Platform, (b) resell, sublicense or make the Platform available as a service to any third party, (c) use the Platform to build a competing product, (d) benchmark or publicly disclose the results of any performance or comparative testing of the Platform, (e) scrape, harvest, extract or collect data from the Platform by automated means, (f) use the Platform or any data obtained from it to train, develop or improve any artificial intelligence or machine learning model, or (g) probe, scan, test or assess the security, vulnerability or performance of the Platform without Peko's prior written consent.

Term, suspension and termination

These Service Terms commence when you accept them or first access or use the Platform and continue until terminated in accordance with this clause.

You may stop using the Platform and close your account at any time through the Platform or by written notice to Peko. Termination does not affect any rights or obligations that accrued before termination, including obligations relating to transactions processed before your account was closed.

Peko may terminate these Service Terms or your access to all or part of the Platform immediately or on notice where:

(a) you materially breach these Service Terms, the Acceptable Use Policy or applicable law;

(b) you fail to remedy a breach capable of remedy within fifteen (15) days after notice;

(c) an Acquiring Partner requires your access to be suspended or terminated;

(d) continued access would expose Peko, an Acquiring Partner or other users to legal, regulatory, security or operational risk;

(e) you become insolvent or subject to insolvency, liquidation or similar proceedings; or

(f) Peko discontinues the Platform or the relevant service upon reasonable prior notice where practicable.

Peko may suspend or restrict access immediately where reasonably necessary to protect the Platform, comply with law, comply with an Acquiring Partner requirement, investigate suspected fraud or misuse, or respond to a security incident. Suspension may remain in place until the relevant issue has been resolved or these Service Terms are terminated.

Peko may terminate or suspend access where the Merchant no longer has an active Acquiring Partner enabled through the Platform and, as a result, the Platform can no longer provide the services contemplated by these Service Terms. Peko may also suspend individual features without suspending the entire account.

On termination (i) your right to use the Platform ends, (ii) each Acquiring Partner Merchant Agreement is governed by its own terms of termination and survival, (iii) you remain liable for all fees, refunds and chargebacks arising from transactions processed before termination, (iv) Peko may retain your data for the retention periods described in the Privacy Policy or as required by law, and (v) clauses that by their nature survive termination (including fees earned, liability, IP, confidentiality, data protection, indemnity and governing law) will survive.

Warranties and disclaimers

Each party warrants that it has authority to enter into these Service Terms and to perform its obligations.

Except as expressly stated, the Platform is provided on an "as is" and "as available" basis. Peko does not warrant that (a) the Platform will be uninterrupted, error-free or secure against all intrusions, (b) any Acquiring Partner will approve you, maintain you, settle to you on any particular schedule, or refrain from suspending, terminating or applying reserves, (c) any specific transaction will be authorised, or (d) any routing outcome will be optimal. To the maximum extent permitted by law, Peko disclaims all implied warranties including merchantability, fitness for purpose and non-infringement.

Limitation of liability

Peko will not be liable for any loss of profits, revenue, business, goodwill, anticipated savings, contracts, data (except where directly caused by Peko's breach of its security obligations under these Service Terms) or for any indirect, incidental, special, exemplary or consequential loss, whether in contract, tort (including negligence), warranty, statute or otherwise.

Peko's total aggregate liability arising out of or in connection with these Service Terms in any 12-month period will not exceed the Platform fees actually paid by you to Peko in that period.

Peko has no liability for any regulated matter that is the responsibility of an Acquiring Partner (including settlement delay, funds hold, reserve, refund execution, chargeback outcome, KYB decision, AML or sanctions decision, or interaction with any regulator or scheme). Your recourse in respect of any such matter is against the Acquiring Partner under the Acquiring Partner Merchant Agreement.

Nothing in these Service Terms excludes or limits liability that cannot be excluded or limited under applicable law (including fraud, wilful misconduct or death or personal injury caused by negligence).

Indemnity

You will indemnify Peko, its affiliates and its personnel against any loss, damage, liability, fine, cost or expense (including reasonable legal fees) arising out of (a) your breach of these Service Terms, the Acceptable Use Policy, applicable law or any Acquiring Partner Merchant Agreement, (b) your goods or services or any claim relating to them, (c) your handling of end-customer data, (d) your fraud, misrepresentation or negligence, or (e) any chargeback, scheme fine, regulatory penalty or third-party claim caused by (a) to (d).

Any card scheme fine, assessment or penalty imposed on Peko or an Acquiring Partner as a result of your acts or omissions may be passed through to you and once paid, becomes an amount due from you to Peko.

Merchant shall reimburse Peko for any amount payable under this indemnity promptly upon written demand, together with reasonable supporting details of the relevant loss, damage, liability, cost or expense.

Confidentiality

Each party will keep the other's non-public information confidential and use it only to perform its obligations and exercise its rights under these Service Terms, except where disclosure is required by law, regulator, court order or the rules of a card scheme or Acquiring Partner, or to its affiliates, auditors, insurers, legal counsel, accountants and other professional advisers who have a need to know and are bound by confidentiality obligations. This obligation continues for as long as the information remains confidential in fact.

Compliance, sanctions and anti-bribery

You shall comply with applicable anti-money laundering, counter-terrorism financing, sanctions (including UAE, UN, US OFAC, UK and EU as applicable) and anti-bribery and corruption laws in connection with its use of the Platform. You will not use The Platform to process, facilitate or receive funds in connection with any transaction or counterparty that is or becomes a sanctions target.

Merchant will comply with all applicable export control and trade restriction laws and will not use the Platform in a manner that causes Peko or any Acquiring Partner to violate such laws. Merchant represents that neither it nor its beneficial owners are designated sanctions targets.

Merchant acknowledges that Peko may take any action reasonably necessary to comply with applicable law, regulatory requirements, sanctions obligations, card scheme rules, or directions, requests or requirements of an Acquiring Partner. This may include requesting additional information, restricting functionality, delaying, suspending or terminating access to some or all of the Platform. Peko will not be liable for any action taken in good faith to maintain compliance with such requirements.

You will promptly provide information, records and reasonable assistance requested by Peko in connection with fraud investigations, security incidents, suspected misuse of the Platform, excessive or abnormal transaction activity, compliance reviews, disputes, chargebacks or legal obligations.

Peko implements PCI DSS-aligned security controls for Platform components within scope.

Force majeure

Neither party is liable for failure or delay caused by circumstances beyond its reasonable control, including acts of God, cyberattack, natural disaster, epidemic, war, terrorism, riot, government action, sanctions, industrial action, failure of an Acquiring Partner or card scheme, or failure of internet, telecommunications, cloud, banking or power infrastructure not within its direct control. If a force majeure event continues for more than sixty (60) consecutive days, either party may terminate on written notice, without liability.

Governing law and dispute resolution

These Service Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Emirate of Dubai and the federal laws of the United Arab Emirates applicable therein. The courts of Dubai shall have exclusive jurisdiction to resolve any dispute arising out of or in connection with these Service Terms. Nothing in this clause prevents either party from seeking urgent interim or injunctive relief from any court of competent jurisdiction where such relief is necessary to protect its rights.

Support

Peko provides technical support for the Platform during the support hours published on the Platform. Merchants may contact Peko through the support channels published on the Platform or the Platform website, including email at help@peko.one (or such other contact details as Peko may notify from time to time).

Peko will use reasonable efforts to respond to support requests but does not guarantee any specific response or resolution time unless otherwise agreed in writing.

Peko's support is limited to the Platform and does not extend to regulated payment services provided by an Acquiring Partner. Questions relating to payment processing, settlement, reserves, chargebacks, refunds, merchant approval or other regulated matters must be directed to the relevant Acquiring Partner in accordance with its Merchant Agreement.

General

By clicking "Accept", creating an account or using the Platform, you agree to be bound by these Service Terms, and such electronic acceptance has the same legal effect as a handwritten signature.

Nothing in these Service Terms creates any partnership, joint venture, employment, agency or fiduciary relationship between the parties.

Peko may modify, replace, suspend or discontinue any part of the Platform, APIs or functionality from time to time. Merchant shall implement reasonably requested changes within the time notified by Peko where necessary for security, regulatory compliance, interoperability or continued operation of the Platform.

Nothing in these Service Terms shall be interpreted as Peko providing regulated payment services, money transmission, acquiring services, issuing services, custodial services or any other activity requiring regulatory authorisation. Such services are provided solely by the applicable Acquiring Partner under its own licence and agreement with the Merchant.

These Service Terms, together with the Privacy Policy, Cookie Policy, Acceptable Use Policy and any applicable Order Form or Fee Schedule between you and Peko, constitute the entire agreement between you and Peko regarding the Platform. Acquiring Partner Merchant Agreements remain separate agreements between you and the relevant Acquiring Partner.

Peko may update these Service Terms from time to time. The updated version will be posted at www.pekoflow.com/terms with the new effective date. Material changes will be notified by email or dashboard notice. If you do not agree to the updated Service Terms, you must stop using the Platform before the updated terms take effect.

Any purported assignment in breach of this clause is void. Peko may assign to an affiliate or in connection with a corporate reorganisation or sale of business. You will notify Peko within thirty (30) days of any change of control, direct or indirect. Peko may (a) require re-verification, (b) require re-approval by each Acquiring Partner, and (c) if the resulting entity would not have been approved, terminate on written notice.

These Service Terms do not create rights in favour of any third party.

Merchant agrees that Peko may provide notices, disclosures and other communications electronically through the Platform, dashboard or registered email address.

In case of conflict, these Terms govern commercial matters and the Privacy Policy governs personal data processing.

Legal notices to Peko must be sent to legal@peko.one. Technical support requests and operational enquiries should be submitted to help@peko.one. Notices to Merchant may be sent by email or dashboard notification.

If any provision is unenforceable, the rest continues in force. Failure to enforce is not a waiver.

The following clauses survive termination: Fees, Data, Intellectual Property, Confidentiality, Warranties and Disclaimers, Limitation of Liability, Indemnity, Chargebacks and Disputes, Governing Law and Dispute Resolution, Compliance, General.

The English version of these Service Terms prevails over any translation.