This public offer (hereinafter — the “Offer”, the “Agreement”) is an official proposal to conclude an agreement for connection to the “PayPlatinum” service (hereinafter — the “Service”), located at https://payplatinum.io (hereinafter — the “Website”). The Offer is addressed to legal entities and (or) their representatives and individual entrepreneurs (hereinafter — the “Partner”). Acceptance of the Offer is the registration in the Service and the beginning of its use. By accepting the Offer, the Partner confirms that it has the necessary legal capacity and authority to conclude and perform the Agreement and accepts the terms of the Offer in full.

1. Terms and Definitions

– Service — the “PayPlatinum” information and technology platform, representing a set of software and hardware tools that ensure interaction between settlement participants when accepting payments.

– Website — an internet resource located at https://payplatinum.io, through which access to the Service is provided.

– Operator — the person organizing the operation of the Service.

– Partner — a legal entity or individual entrepreneur who has concluded an Agreement with the Operator under the terms of this Offer.

– Personal Account — the Partner’s personal section in the Service with connection settings, operation statistics, and reporting.

– Connection Agreement — a document concluded with the Partner after verification and registration, defining the terms of use of the Service.

2. Subject of the Agreement

2.1. The Operator provides the Partner with access to the functionality of the Service, and the Partner undertakes to use the Service in accordance with the terms of the Agreement.

2.2. The Service acts as a technological intermediary. The Service is not a party to the transaction between the Partner and its clients (payers) and is not responsible for the quality, completeness, or timing of the provision by the Partner of goods, works, or services.

2.3. The individual commercial terms of use of the Service are determined by the Connection Agreement and are indicated in the Partner’s Personal Account after verification and registration. This Offer establishes general terms and does not contain individual commercial parameters.

3. Connection Procedure

3.1. To connect, the Partner completes registration, provides accurate information about itself and its activities, and undergoes the verification (identification) procedure provided for by the requirements of applicable law and the Operator’s rules.

3.2. The Operator has the right to request additional documents and information from the Partner necessary for identification and assessment of the nature of its activities, as well as to refuse connection without explanation.

3.3. After successfully passing verification, the Partner receives access to the Personal Account and technical integration tools and concludes a Connection Agreement with individual terms.

4. Rights and Obligations of the Parties

4.1. The Operator undertakes to:

– 4.1.1. Ensure the availability of the Service, except during scheduled maintenance;

– 4.1.2. Ensure the technical ability to process operations and make payouts in accordance with the Connection Agreement;

– 4.1.3. Ensure the confidentiality and security of the Partner’s data;

– 4.1.4. Provide technical support and reporting on operations in the Personal Account.

4.2. The Partner undertakes to:

– 4.2.1. Provide accurate information upon connection and keep it up to date;

– 4.2.2. Use the Service in accordance with the Agreement, documentation, and applicable law;

– 4.2.3. Not transfer access to the Personal Account to third parties and ensure the confidentiality of account credentials;

– 4.2.4. Sell through the Service only those goods, works, and services information about which has been provided to the Operator;

– 4.2.5. Independently settle all claims, disputes, refunds, and other matters with its clients (payers) related to the goods, works, or services provided by the Partner.

5. Cost of Services

5.1. The cost of services is set individually for each Partner and depends on the nature of its activities, the volume and type of operations, as well as other conditions. Specific tariffs, the amount of remuneration, the procedure for its withholding, and payout terms are agreed with the Partner individually and recorded in the Connection Agreement and (or) in the Personal Account.

5.2. The Operator has the right to change the cost of services in the manner and within the time limits provided for by the Connection Agreement, with prior notice to the Partner.

6. Prohibited Operations

6.1. The Partner is prohibited from using the Service to conduct operations related to activities prohibited by applicable law or the rules of payment systems, including activities related to the legalization (laundering) of proceeds obtained through crime and the financing of terrorism.

6.2. The Operator has the right to suspend servicing and (or) payouts if there are reasonable doubts about the legality of the Partner’s operations, as well as to request supporting documents. Specific grounds and consequences of violations are determined by the Connection Agreement.

7. Liability of the Parties

7.1. For non-performance or improper performance of obligations, the parties shall be liable in accordance with applicable law and the Connection Agreement.

7.2. The Operator is not liable for: the quality of goods, works, and services sold by the Partner; losses caused by unlawful actions of third parties; temporary unavailability of the Service for reasons beyond the Operator’s control.

7.3. The Service is provided on an “as is” basis. The Operator does not guarantee uninterrupted operation of equipment and communication channels and is not liable for losses arising from the use of the Service contrary to the terms of the Agreement.

7.4. In order to ensure the performance of obligations and cover possible refunds, disputed operations, and other claims, the Operator has the right to form a reserve from the Partner’s funds. The amount of the reserve, the term and procedure for its withholding and return are determined by the Connection Agreement.

8. Confidentiality

8.1. The parties undertake to maintain the confidentiality of information received in the performance of the Agreement and to take the necessary measures to protect it.

8.2. Personal data is processed in accordance with the Privacy Policy posted on the Website.

9. Intellectual Property

9.1. Exclusive rights to the Service, its software, design, databases, trademarks, and other results of intellectual activity belong to the Operator or persons affiliated with it.

9.2. The Partner is granted a limited, non-transferable right to use the Service and the provided integration tools solely to the extent necessary for the performance of the Agreement. No other rights to the results of intellectual activity are transferred to the Partner.

9.3. The Partner is prohibited from copying, modifying, decompiling the software part of the Service, as well as using its name, trademarks, and other designations without the Operator’s prior written consent.

10. Force Majeure

10.1. The parties shall not be liable for non-performance of obligations caused by force majeure circumstances: military actions, natural disasters, changes in legislation, the introduction of sanctions or embargoes, as well as other extraordinary and unavoidable circumstances. The party for which performance has become impossible shall notify the other party within a reasonable time.

11. Term, Amendment, and Termination

11.1. The Agreement enters into force from the moment the Offer is accepted by the Partner and remains valid for the duration of the Connection Agreement concluded between the Operator and the Partner.

11.2. The Operator has the right to unilaterally amend the terms of the Offer by publishing a new version on the Website or in the Personal Account. Continued use of the Service means acceptance of the amendments.

11.3. The Partner has the right to terminate the Agreement by sending a notice to the Operator and ceasing use of the Service, provided that all mutual obligations have been fully performed.

11.4. The Operator has the right to terminate the Agreement unilaterally if the Partner violates its terms or on other grounds provided for by applicable law and the Connection Agreement.

12. Final Provisions

12.1. All disputes shall be resolved through negotiations. Before going to court, a party shall send a written claim; the response period for the claim is 30 calendar days. If no agreement is reached, the dispute shall be resolved in the manner provided for by applicable law.

12.2. Recognition of a separate part of the Offer as invalid shall not entail the invalidity of the Offer as a whole.

12.3. For all matters related to this Offer, the Partner shall contact: info@payplatinum.io.

12.4. This Offer may be published in Russian and English. In case of any discrepancies between the Russian and English versions, the Russian version shall prevail.

Publication date: July 7, 2026