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Crypto Payments Terms and Conditions

This is a binding Agreement between Aliant Payment Systems, Inc. (“Aliant” or “We”) and the person,
persons, or entity (“You” or “Your”) using the service, Software, or application (“Software”).

Rights and Obligations

Aliant provides the Software solely on the terms and conditions set forth in this Agreement and on the
condition that You accept and comply with them. By using the Software You (a) accept this Agreement
and agree that You are legally bound by its terms; and (b) represent and warrant that: (i) You are of
legal age to enter into a binding agreement; and (ii) if You are a corporation, governmental
organization or other legal entity, You have the right, power and authority to enter into this Agreement
on behalf of the corporation, governmental organization or other legal entity and bind them to these
terms.

This Software functions as a free, open source, and multi-signature digital wallet. The Software does
not constitute an account where We or other third parties serve as financial intermediaries or
custodians of Your cryptocurrencies(s).

While the Software has undergone beta testing and continues to be improved by feedback from the
open-source user and developer community, We cannot guarantee there will not be bugs in the
Software. You acknowledge that Your use of this Software is at Your own discretion and in
compliance with all applicable laws. You are responsible for safekeeping Your passwords, private key
pairs, PINs, and any other codes You use to access the Software.

IF YOU LOSE ACCESS TO YOUR WALLET OR YOUR ENCRYPTED PRIVATE KEYS AND
YOU HAVE NOT SEPARATELY STORED A BACKUP OF YOUR WALLET AND
CORRESPONDING PASSWORD, YOU ACKNOWLEDGE AND AGREE THAT ANY
CRYPTOCURRENCY YOU HAVE ASSOCIATED WITH THAT WALLET WILL BECOME
INACCESSIBLE. All transaction requests are irreversible. The authors of the Software, employees
and affiliates of Aliant, copyright holders, and Aliant Payment Systems, Inc. cannot retrieve Your
private keys or passwords if You lose or forget them and cannot guarantee transaction confirmation
as they do not have control over the network.

Disclaimer

THE SOFTWARE IS PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EXPRESS
OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
IN NO EVENT SHALL THE AUTHORS OF THE SOFTWARE, EMPLOYEES
AND AFFILIATES OF ALIANT, COPYRIGHT HOLDERS, OR ALIANT PAYMENT SYSTEMS,
INC. BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN
ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN
CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.

IN NO EVENT WILL ALIANT OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE
SERVICE PROVIDERS, BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY USE,
INTERRUPTION, DELAY OR INABILITY TO USE THE SOFTWARE, LOST REVENUES OR
PROFITS, DELAYS, INTERRUPTION OR LOSS OF SERVICES, BUSINESS OR GOODWILL,
LOSS OR CORRUPTION OF DATA, LOSS RESULTING FROM SYSTEM OR SYSTEM
SERVICE FAILURE, MALFUNCTION OR SHUTDOWN, FAILURE TO ACCURATELY
TRANSFER, READ OR TRANSMIT INFORMATION, FAILURE TO UPDATE OR PROVIDE
CORRECT INFORMATION, SYSTEM INCOMPATIBILITY OR PROVISION OF INCORRECT
COMPATIBILITY INFORMATION OR BREACHES IN SYSTEM SECURITY, OR FOR ANY
CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE
DAMAGES, WHETHER ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT,
BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE,
REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER OR
NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Intellectual Property

We retain all right, title, and interest in and to the Content and all of Aliant’s brands, logos, and
trademarks, including, but not limited to, Aliant Payment Systems, Inc., Aliant, Aliant – Secure
Bitcoin Wallet, Aliant Wallet, Aliant App, Copay, Aliant Prepaid Card, and variations of the wording
of the aforementioned brands, logos, and trademarks.

Choice of Law

This Agreement, and its application and interpretation, shall be governed exclusively by the laws of
the State of Florida, without regard to its conflict of law rules. You consent to the exclusive jurisdiction
of the federal and state courts located in or near Atlanta, Georgia for any dispute arising under this
Agreement.

Severability

In the event any court shall declare any section or sections of this Agreement invalid or void, such
declaration shall not invalidate the entire Agreement and all other paragraphs of the Agreement shall
remain in full force and effect.

Binding Agreement

The terms and provisions of this Agreement are binding upon Your heirs, successors, assigns, and
other representatives. This Agreement may be executed in counterparts, each of which shall be
considered to be an original, but both of which constitute the same Agreement.

You assume any and all risks associated with the use of the Software. We reserve the right to modify
this Agreement from time to time.

Merchant Terms of Use

These Merchant Terms of Use (“the Terms”) govern your use of the products, services or any other
features, technologies or functionalities (the “Services”) provided by Aliant Payment Systems, Inc.
(Aliant, we, our, or us) through Aliant’s website, API or through any other means. The terms “you”
and “your” refer to the merchant to which we will be providing the Services and the person signing
below or otherwise agreeing to the Terms on behalf of the merchant. Please read the Terms carefully;
by using the Services, you agree to the Terms and confirm that you accept them.

1. The Services
We are a cryptocurrency payment processor. We enable you to accept cryptocurrency as payment for
goods or services, and process cryptocurrency payments that you receive from your customer
(Purchaser). We are not a crypto exchange, wallet, or a place to purchase or sell cryptocurrencies. Our
Services are only available to businesses that sell a product or services or to registered charitable
organizations that accept donations. By using the Services, you authorize us to act as your agent so we
may receive, hold and disburse funds on your behalf and to take any and all actions that we think are
necessary to provide the Services and to comply with applicable law. Payment by Purchaser to Aliant
will be considered the same as payment made directly to you and will extinguish the Purchaser’s
outstanding obligation, to the extent of the payment.

2. Registration
2.1 Generally
In order to use the Services, you must open a Aliant account. When you open an account, we will ask
you for contact information such as your name, phone number, email address, and information relating
to the ultimate beneficial owner or the most senior individual from the organization. We will also ask
you for information on your business, including your business’s legal name or DBA, physical address
of the business, and your company’s website. The information that you provide at the time of account
opening must be accurate and complete and you must inform us within ten business (10) days of any
changes to such information. We may require additional information from you (including any person
signing below or otherwise agreeing to the Terms on behalf of the merchant) to help verify your
identity and assess your business risk, such as your date of birth, tax identification number, or
government-issued identification. We may also obtain information about you from third parties, such
as credit bureaus and identity verification services. We have the right to reject your account registration
or to later close your Aliant account, if you do not provide us with accurate, complete, and satisfactory
information.

As a regulated business, Aliant is required to comply with the Bank Secrecy Act, which requires Aliant
to verify merchant identities, maintain records of currency transactions for up to five years (New York
merchant’s records are held for seven years) and report certain transactions. In the event that a
merchant account is closed by Aliant or at the request of the merchant, even without completing the
onboarding process or performing a transaction, records must be held as prescribed by law.

Merchant Tiers. Aliant imposes daily transaction processing limits on merchants. When you register
for a Aliant account, you will be required to select the limit (“the Tier”) that will apply to your Aliant
account, and to provide us with the documentation necessary to qualify for that Tier. For certain
industries, Aliant may ask for additional verification documents. We will not begin to process
payments on your behalf until we have reviewed the documentation that you provide, in accordance
with applicable law. If you wish to change to a Tier with a higher limit, you must provide us with the
additional required documentation. We will not approve your request to change Tiers and permit you
a greater processing volume unless and until we have reviewed your documentation to our satisfaction.

Please also refer to Section 3.1, Daily Transaction Volume Limits.

2.2 Guarding your Password
You will choose a password when registering your account. You are responsible for maintaining the
confidentiality of your password and account access information. You are fully responsible for all
activities that occur with the use of your password or account. Please notify us immediately of any
unauthorized use of your password or account or any other breach of security. If you share your
password with others we will not be liable for any loss that you may incur as a result of someone else
using your password or account, either with or without your knowledge. You may not allow other
merchants to use your account. You may not use anyone else’s password at any time.

3. Your Sales
3.1 Daily Transaction Volume Limits
Aliant imposes daily and annual transaction processing limits on merchants. When you register for a
Aliant account, you will be enabled to transact at the Basic Tier level. At Aliant’s discretion, and based
on Aliant’s risk assessment of your business, transaction capabilities may not be enabled until
additional documentation or information regarding you and your business is collected and verified.
Requests to increase your processing limit will not be approved unless and until we have reviewed
your documentation to our satisfaction and have confirmed the accuracy and authenticity of the
information therein.

3.2 Invoices and Records
You must keep all records needed for fulfilling the goods or services sold to the Purchaser and
providing any post-sale support to the Purchaser. If the sale of the item requires any government
registration of the sale, you are responsible for such registration. Aliant is required to maintain records
of all documentation and information collected for your merchant account for the duration that your
account is active, and up to 5 years thereafter.

3.3 Customer Verification
Consistent with your local laws and regulations, you are solely responsible for obtaining any
information required of those who purchase your goods or services. For instance, if applicable law
prohibits a sale to persons under the age of 18 years, you must ensure that a Purchaser is at least 18
years of age. Similarly, if applicable law requires that a Purchaser’s identity be verified, you must
verify the Purchaser’s identity. We will not be responsible for your failure to adequately verify your
Purchasers’ identities or qualifications.

3.4 Representation and Warranties
Use of the Services is subject to the laws and regulations of the United States regarding the prevention
of terrorist financing and anti-money laundering. You agree and acknowledge that your use of the
Services would and will comport with such laws and regulations, including, without limitation, the
sanctions programs administered by the Office of Foreign Assets Control of the United States
Department of the Treasury.

Your use of the Services is also subject to the following important restrictions:

You are at least eighteen (18) years old or older and have the right, power and contractual capacity to
agree to these Terms.
Your use of the Services will not contravene any applicable international, federal, state or local law or
regulation, including applicable tax laws and regulations.
Your use of the Services will not relate to the following prohibited activities:
Sales of narcotics, research chemicals or any controlled substances;
Sales of cash or cash equivalents, including items used for speculation or hedging purposes (such as
derivatives), and the sale or trade of cryptocurrencies;
items that infringe or violate any intellectual property rights such as copyrights, trademarks, trade
secrets, or patents;;
ammunition, firearms, explosives (including fireworks), or weapons regulated under applicable law or
as determined by us; or
transactions that show the personal information of third parties in violation of applicable law;
transactions that support pyramid, Ponzi, or other “get rich quick” schemes;
transactions that are related to cloud-mining;
provide credit repair or debt settlement services;
any services which compete with Aliant;
Explicit sexual content;
Sales of Kratom or Nootropics
If your use of the Services relates to one of the following restricted activities, your activities are subject
to internal review and you are only allowed to transact when expressly authorized by Aliant in writing:
Engaged in Foreign Exchange, Money Service Business activities (as defined by the Financial Crimes
Enforcement Network of the United States Department of the Treasury) or E-wallets;
Engaged in selling cryptocurrency mining hardware;
Providing Currency exchange services;
Transaction that are associated with purchases of annuities or lottery contracts, lay-away systems,
banking, offshore banking, transactions to finance, investing, investment related products or
Transactions that involve gambling or any other activity with an entry fee and a prize, including, but
not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures
that facilitate gambling, and sweepstakes, unless you have obtained our prior written approval and you
and your customers are located exclusively in jurisdictions where such activities are permitted by law.

3.5 Our Right to Reject
We reserve the right to decline to process a sale if we reasonably believe that it violates these Terms
or would expose you, other merchants, Purchasers, or other parties to harm. If we reasonably suspect
that your Aliant account has been used for an illegal purpose, you authorize us to share information
about you, your Aliant account, and your account activity with law enforcement.

3.6 Our Right to Inspect
We may ask for permission to inspect your business location in connection with your use of the
Services, or documentation or evidence to support specific transactions. If you refuse our request, we
may suspend or terminate your Aliant account.

4. Third Parties
4.1 Your Use of Third-Party Services
In using the Aliant website or the Services, you may be offered services, products and promotions
provided by third parties. If you decide to use these third-party services, you do so at your own risk
and are solely responsible for reviewing, understanding and complying with the associated terms and
conditions. We expressly disclaim any liability for the third-party services and are not responsible for
the performance of the third-party services or servicers.

4.2 Security
We have implemented security measures designed to secure your information from accidental loss and
from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that
unauthorized persons will never gain access to your information, and you acknowledge that you
provide your information at your own risk, except as otherwise provided by applicable law.

5. How we Collect, Use and Share Information
In order to provide the Services, we may share information about you and your Aliant account with
third parties, including but not limited to your bank and Purchasers.

5.1 Verification of Your Identity
In order to verify the information, you submit via the account registration process as detailed in Section
2.1 (Generally) we may request information from various third parties, including credit bureaus and
identity verification services. By accepting these Terms you authorize us to retrieve information about
you by using third parties and acknowledge we may have to share the information you have previously
submitted to do so.

From time to time Aliant may engage third parties in order to assist in different aspects of the provision
of our Services to you. You acknowledge and agree your use of the Services may require we share
your information with these third parties who may need to review your eligibility to use the Services
according to their own verification procedures.

6. Our Ownership of the Services and the Aliant Website
You agree and acknowledge that we own all right, title and interest to and in the Services, the
associated software, technology tools and content, the Aliant website, the content displayed on the
website, and other materials produced by and related to Aliant (collectively, the Aliant IP). You are
only permitted to use the Services and the Aliant IP to accept and receive payments, according to these
Terms. When you accept the Terms, we grant you a personal, limited, revocable and non-transferable
license to use the Aliant IP, without the right to sublicense. You shall not rent, lease, sublicense,
distribute, transfer, copy, reproduce, download, display, modify or timeshare the Aliant IP or any
portion thereof, or use the Aliant IP as a component of or a base for products or services prepared for
commercial sale, sublicense, lease, access or distribution. You shall not prepare any derivative work
based on the Aliant IP, nor shall you translate, reverse engineer, decompile or disassemble the Aliant
IP.

7. Advertising
By written mutual consent, we may publish your corporate name, artwork, text and logo (Merchant
Content) on the Aliant website and promotional materials to acknowledge you as our customer. You
represent and warrant to us that you have the right to provide the Merchant Content to us, and that the
use, copying, modification and publication of the Merchant Content by us: (a) will not infringe, violate
or misappropriate any third party copyright, patent, trade secret or other proprietary rights, (b) will not
infringe any rights of publicity or privacy, and (c) will not be defamatory or obscene or otherwise
violate any law.

8. Invoices & Settlement
8.1 Invoice Generation and Exchange Rate Guarantee
Aliant’s hosted invoice UI shall be used. To create an invoice for your Purchaser, you may post a
request to Aliant to collect a specific amount in your local currency, such as Dollars or Euros, or in
any of the supported cryptocurrencies. Aliant will pull the exchange rate, where applicable, and
provide the payment instructions to you for you to display to the Purchaser. For more information
about how Aliant calculates the exchange rates and factors in market depth, please refer to
Aliant.com/exchange-rates. We guarantee the exchange rate to you as long as the Purchaser pays
within the proper time window after the invoice is created. Invoice timeout information is clearly
displayed on each Aliant invoice. While we guarantee the exchange rate as long as the Purchaser pays
within such time window, you agree that you assume the volatility risk of your local currency or the
applicable cryptocurrency. For instance, if you ask us to collect $150, and the Purchaser sends the
cryptocurrency equivalent within the time window, we guarantee you will receive exactly $150, minus
our fee if applicable. We do not, however, guarantee the value of the U.S. dollar.

For any payments that are made using the bitcoin blockchain, an invoice is considered complete by us
after the payment has six (6) block confirmations. You have the option to inform your Purchaser earlier
about the status of the invoice; please note that Aliant is not liable for settling invoices with a payment
that never receives six (6) block confirmations. Aliant employs techniques to detect payments that are
at risk of never receiving six (6) bitcoin block confirmations, however these measures do not
completely eliminate the risk associated with unconfirmed payments.

8.2 Fees
8.2.1 Merchant Fees
We charge service fees for merchants on our Starter Plan who have processed more than thirty
transactions in a month or who have selected our Business or Enterprise plans (“Service Fees”).
Merchants paying Service Fees will have these fees offset against their applicable ledger balances.
If you issue a full or partial refund to your customers, the miner fee amount will be deducted from
your merchant ledger balance. The deduction will be added as a separate entry in your Aliant ledger
after the refund is executed.

8.2.2 Purchaser Fees
Network Costs
Aliant may incur a cost (“Network Cost”) to sweep an incoming cryptocurrency payment. These
Network Costs are included in the invoice total and are paid by the Purchaser. The Network Costs are
not returned when a refund is executed. Purchaser has the discretion to decide to pay or not an
invoice after it has been created.

Miner Fees
Cryptocurrency transactions may require a miner fee. These miner fees are automatically created by
the Purchaser’s wallet and sent to the miner. These miner fees are not Aliant fees. The miner fees paid
to the Network are not returned when a refund is executed.

If a Purchaser would like to learn more about the applicable fees, please view our payment fee details.
We reserve the right to change our fee structure and pricing. Your continued use of the Services after
we notify you of any changes in our fees constitutes your acceptance of such change.

8.3 Methods of Settlement
We will verify the Purchaser’s payments over the cryptocurrency peer-to-peer payment network and
post the balance to your accounting ledger, according to your preference settings. The debits and
credits to your accounting ledger are funds temporarily held by Aliant until settlement to your bank
account can take place. You can receive a settlement in your local currency, in any of the supported
cryptocurrencies, or in a mixture of both. You assume volatility risks of the currency in which you
choose to settle. For example, if you choose to settle in bitcoin, then you assume the volatility risk of
the bitcoin value. DISCLOSURE: While there are also material risks from accepting various forms of
payment (such as cash, other fiat currencies, network card payments, other proprietary electronic
payments and alternative virtual currency payments including Litecoin and Dogecoin), Aliant is
disclosing the following material risks of virtual currency.

Material Risks of Virtual Currency Disclosure Based on 23 NYCCR 200.19:
8.3.1 Settlements in Local Currencies
If you wish to receive direct deposit settlements, you must provide us with valid bank account
information and keep such information current. If you are using the Business or Enterprise plan, we
will send a direct deposit to your bank account to clear out your accumulated ledger balance each
business day. If you are using the Starter plan, we will settle the accumulated ledger balance on a
weekly basis. If you are accepting any portion of yoursettlement in a supported cryptocurrency, we
will settle to your wallet on a daily basis. Minimum settlement amounts apply; please refer to
Aliant.com/docs/settlement for information related to minimum settlement amounts and deposit
frequency. We will charge you the applicable wire fees, except when settling USD to a bank located
in the US or when settling EUR to a bank within the SEPA zone.

8.3.2 Your Bank Account
You must provide us with written notice at least one (1) business day prior to closing your bank
account. If you wish to continue to receive direct deposits, you must provide us with information for
a substitute bank account. You are solely liable for all fees and costs associated with your bank account
and for all overdrafts. You are also liable to us for any fees that we may incur based on your provision
of inaccurate information or instructions. You authorize us to initiate electronic credits to your bank
account at any time, as necessary to process your transactions. We will not be liable for any delays in
receipt of funds or errors in bank account entries caused by third parties.

8.3.3 Settlements in a Supported Cryptocurrency
Any supported cryptocurrency accepted by Aliant on your behalf must be settled to a cryptocurrency
wallet that you provided. Payments in any of the supported cryptocurrencies are sent to your
designated wallet address, at least once per calendar day. Aliant is not liable for any losses incurred as
a result of improperly reported or designated wallet addresses that you provide.

8.3.4 Refund Reserve
With your explicit consent, Aliant can set a refund reserve. You can use the refund reserve to refund
Aliant invoices (e.g. when goods/services are not delivered) or to fund cryptocurrency payout requests.
Once the refund reserve has been set, Aliant does not settle the refund reserve amount. Pending refunds
are deducted from your refund reserve. Pending refunds are deducted from the settlement amount if
your refund reserve is zero (just like a refund reserve does).

8.3.5 Settlement Minimum
Aliant settles once the settlement amount is above the settlement minimum. Merchants that are on the
Starter Plan only receive a settlement once a week if the settlement amount is above the settlement
minimum.

8.4 Payment Exceptions
In certain situations when an invoice is not fully paid or overpaid, it will result in a payment exception.
You can resolve payment exceptions from the Aliant merchant dashboard.

Aliant incurs miner fees to refund a payment. If the Purchaser requests a refund for a Payment
Exception, Aliant will deduct the miner fees from the refund amount.

8.4.1 Underpayments
Underpayments occur when the Purchaser sends less than the full amount required to mark the invoice
as fully paid. Since the invoice is not fully paid or complete, the funds do not get applied to the
merchant ledger. Aliant will send an email to the Purchaser allowing the Purchaser to request a refund
for the partial payment. The Purchaser also has the ability to request a refund of the partial payment
directly from the invoice. If you want to accept underpayments, you can enable this in your Aliant
merchant dashboard. In this case Aliant will adjust the invoice price to the amount paid, instead of
refunding the underpayment.

8.4.2 Overpayments
Overpayments occur when an invoice receives excess funds. In cases such as this, this invoice passes
through the state of being paid in full and is marked as an overpayment. Once the invoice is status is
“complete”, the funds to mark the invoice as fully paid are applied to the merchant ledger. However,
the excess funds are not applied. Aliant will send an email to the Purchaser allowing the Purchaser to
request a refund for the excess funds. The Purchaser also has the ability to request a refund of the
excess funds directly from the invoice.

8.4.3 Orphan Payment
Orphan Payments occur when a transaction is received outside the time window referenced in Section
8.1 (Invoice Generation and Exchange Rate Guarantee). Any payments sent to the expired address
will show up in Aliant’s system as an orphan payment. For more information or to resolve orphaned
payments, either you or the Purchaser will need to reach out to our support team with the appropriate
information.

8.4.4 Unsupported Payments
Unless explicitly mentioned on our website or in our Terms, we do not support or process payments
for unsupported payments, coins, or blockchains (“UP”). Purchasers should not pay any Aliant invoice
or send UPs to a Aliant address. Aliant assumes absolutely no responsibility whatsoever in respect to
UPs. If a Purchaser transmits a UP, the Purchaser may lose any perceived value in the UP.
Additionally, you and the Purchaser agree that Aliant assumes no responsibility whatsoever in respect
to that UP and you and the Purchaser will not be able to recover the UP from Aliant.

8.5 Certain Deferrals
If we need to conduct an investigation or resolve any pending dispute related to your Aliant account,
we may delay settlement or restrict access to your funds while we do so. Additionally, we may delay
settlement or restrict access to your funds if required to do so by law, court order or at the request of
law enforcement.
8.6 Account Information
You will have access to account information detailing your ledger and transaction and settlement
history through your merchant account. Should you identify an error, you must notify us within thirty
(30) calendar days of the ledger entry posting.

9. Refunds and Adjustments
9.1 Refund Procedures
Aliant can facilitate crpytocurrency refunds on your behalf. You can decide to issue a partial refund
or refund the full amount of the initial purchase. You can also decide whether to issue the refund
denominated in your local currency or in a supported cryptocurrency. If you do not have enough funds
in your Aliant account to cover the refund, Aliant may require you to deposit a cryptocurrency or fiat
to Aliant to cover the refund to the Purchaser. Any required currency conversion during the refund
process will be calculated at a spot rate determined by Aliant, following the guidelines found here:
Aliant.com/exchange-rates.

9.1.1 Refund of Payment Exceptions
If a payment exception is not refunded by you within 30 days after the invoice creation date, you will
only be able to refund (and not accept) the payment exception and Aliant will lock the applicable
cryptocurrency/USD exchange rate exactly 30 days after the date and time of invoice creation.

For any refunds of payment exceptions that occur after the 30-day window, the locked exchange rate
is used to determine the amount of cryptocurrency that will be refunded. The cryptocurrency balance
is converted to USD on the 30th day at midnight UTC. Additionally, because of the cryptocurrency
price fluctuations, Aliant will only refund the cryptocurrency amount sent to Aliant or the USD value,
whichever is less. Any refunds of payment exceptions that happen prior to this 30-day window will be
refunded in the exact amount of cryptocurrency originally received.

*Example for BTC (same applies to other supported cryptocurrencies) if BTC price is lower after the
30th day:

Day BTC Paid BTC Price to USD BTC Refund Amount USD Value of Refund
1 1 $1000 1 $1000
30 1 $900 1 $900
31 1 $800 1 $800
60 1 $450 1 $450

*Example for BTC (same applies to other supported cryptocurrencies) if BTC price is higher after the
30th day:

Day BTC Paid BTC Price to USD BTC Refund Amount USD Value of Refund
1 1 $500 1 $500
30 1 $1,000 1 $1,000
31 1 $2,000 0.5 $1,000
60 1 $4,000 0.25 $1,000

9.2 Disclosure of Your Refund Policy
Aliant is not responsible for Merchant refund policies. We do suggest Merchants have a clear refund
policy for their customers (including, if applicable, “no refunds are allowed as all sales are final”). For
certain industries, a refund policy may not be applicable (e.g. where a service is provided). If refunds
are permitted, we recommend you to refund the amount of the initial purchase in the currency in which
the item was priced.

9.3 Purchaser Complaints
Purchasers filing complaints with Aliant about a purchase will be forwarded to you for resolution.
Aliant reserves the right to terminate accounts which receive excessive complaints.

9.4 Merchant Complaints
Merchants filing complaints regarding our processing service should complaints via email, phone or
mail at support@aliantpayments.com, or 866.502.4831, respectively.

SPECIAL NOTICE FOR NEW YORK RESIDENTS
10. Account Termination
10.1 Your Right to Close Your Account
These Terms apply only for as long as you use the Services. Once you cease using the Services, these
Terms no longer apply, subject to Section 14.11 (Survival). You may close your Aliant account at any
time. You will still be obligated to us for any fees incurred, if applicable, before the closure and we
will remit to you funds not yet paid to you and associated with pre-closure sales. If your account
balance is below our documented minimum transfer amount, you may be responsible for any
applicable transactions fees that may be incurred in the funds transfer.

10.2 Our Right to Close or Suspend Your Account
We may terminate your account, at our discretion, upon notice to you via email or phone
communication. We may also suspend your access to the Services if we suspect that you have failed
to comply with these Terms, pose an unacceptable fraud risk to us, or if you provide any false,
incomplete, inaccurate or misleading information. We will not be liable to you for any losses that you
incur in connection with our closure or suspension of your account. Additionally, if your merchant
account does not have a paid transaction for more than twelve consecutive months, Aliant reserves the
right to suspend your account, disabling processing capabilities.

10.3 Effect of Account Closure
If your Aliant account is closed, you agree: (a) to continue to be bound by these Terms, as required by
Section 14.11 (Survival) (b) to immediately stop using the Services, (c) that the license provided under
these Terms shall end, (d) that we reserve the right (but have no obligation) to delete all of your
information and account data stored on our servers, and (e) that we shall not be liable to you or any
third party for termination of access to the Services or for deletion of your information or account data.

11. Indemnification
You agree to indemnify Aliant, its affiliated and related entities, and any of its officers, directors,
employees and agents from and against any claims, costs, losses, liabilities, damages, expenses and
judgments of any and every kind (including, without limitation, costs, expenses, and reasonable
attorneys’ fees) arising out of, relating to, or incurred in connection with any claim, complaint, action,
audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises or relates
to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these
Terms; (b) your wrongful or improper use of the Services; (c) the products or services sold by you
through the Services, including but not limited to any claims for false advertising, product defects,
personal injury, death or property damage; or (d) any other party’s access or use of the Services with
your account information.

12. No Warranties
WE PROVIDE THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND YOUR
USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED
BY APPLICABLE LAW, WE PROVIDE THE SERVICES WITHOUT WARRANTIES OF ANY
KIND, WHETHER EXPRESS OR IMPLIED (INCLUDING, WITHOUT LIMITATION,
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR
NON-INFRINGEMENT). WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT
THAT THE SERVICES (AND OUR WEBSITE): WILL OPERATE ERROR-FREE OR THAT
DEFECTS OR ERRORS WILL BE CORRECTED; WILL MEET YOUR REQUIREMENTS OR
WILL BE AVAILABLE, UNINTERRUPTED OR SECURE AT ANY PARTICULAR TIME OR
LOCATION; ARE FREE FROM VIRUSES OR OTHER HARMFUL CONTENT. WE DO NOT
ENDORSE, WARRANT, GUARANTEE OR ASSUME RESPONSIBILITY FOR ANY PRODUCT
OR SERVICE OFFERED OR ADVERTISED BY A THIRD PARTY THROUGH THE SERVICES
OR THROUGH OUR WEBSITE, AND WE WILL NOT BE A PARTY TO NOR MONITOR ANY
INTERACTIONS BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR
SERVICES.

13. Limitation of Liability
IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT,
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE
DAMAGES OR ANY LOSS, THEFT, DISAPPEARANCE, OR DAMAGES FOR LOST PROFITS,
LOST REVENUES, LOST DATA OR OTHER INTANGIBLE LOSSES THAT RESULT FROM
THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICES,
REGARDLESS OF THE FORM OF ACTION AND WHETHER OR NOT WE KNEW THAT SUCH
DAMAGE MAY HAVE BEEN INCURRED. IN NO EVENT WILL WE BE LIABLE TO YOU OR
ANY THIRD PARTY FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING,
TAMPERING, VIRUS TRANSMISSION OR OTHER UNAUTHORIZED ACCESS OR USE OF
THE SERVICES, YOUR ALIANT ACCOUNT, OR ANY INFORMATION CONTAINED
THEREIN. IN NO EVENT WILL OUR LIABILITY FOR ANY DAMAGES ARISING IN
CONNECTION WITH THE SERVICES EXCEED THE FEES EARNED BY US IN CONNECTION
WITH YOUR USE OF THE SERVICES DURING THE 6 MONTH PERIOD IMMEDIATELY
PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY. THE FOREGOING
LIMITATIONS OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY
LAW IN THE APPLICABLE JURISDICTION.

14. Miscellaneous
14.1 Taxes
You are responsible for determining any and all taxes assessed, incurred, or required to be collected,
paid, or withheld for any reason in connection your use of our software and services (“Taxes”). You
also are solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the
appropriate tax authority. We are not obligated to, nor will we determine whether Taxes apply, or
calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction.
If in a given calendar year you receive (i) more than $20,000 in gross amount of payments and (ii)
more than 200 payments, Aliant will report annually to the Internal Revenue Service, as required by
law, your name, address, employer identification number, the total dollar amount of the payments you
receive in a calendar year and the total dollar amount of the payments you receive for each month in
a calendar year.

14.2 Privacy Policy
Please see our Privacy Policy for information regarding how we collect and use information. The
Privacy Policy is part of these Terms, so please make sure that you read it.

14.3 Assignment
You may not transfer or assign these Terms, or any rights granted by these Terms. You agree and
acknowledge that we may assign or transfer these Terms.

14.4 Severability
Should any provision of these Terms be determined to be invalid or unenforceable under any law, rule,
or regulation, such determination will not affect the validity or enforceability of any other provision
of this Agreement.

14.5 Waivers
Our failure to assert any right or provision in these Terms shall not constitute a waiver of such right
or provision, and no waiver of any term shall be deemed a further or continuing waiver of such or
other term.

14.6 Entire Agreement
This Agreement including the Privacy Policy referenced herein, represent the entire understanding
between us and you with respect to the matters discussed. Headings are included for convenience only,
and shall not be considered in interpreting these Terms.

14.7 Notices
You agree to accept communications from us in an electronic format, and agree that all terms,
conditions, agreements, notices, disclosures or other communications that we provide to you
electronically will be considered to be “in writing”.

14.8 Governing Law; Arbitration
This Agreement will be governed by and construed in accordance with the laws of the State of Florida
without reference to conflict of law or choice of law provisions, and applicable federal law (including
the Federal Arbitration Act). If a disagreement or dispute in any way involves the Services or these
Terms and cannot be resolved between you and us with reasonable effort, the disagreement or dispute
shall be resolved exclusively by final and binding administration by the American Arbitration
Association (“AAA”), and will be conducted before a single arbiter pursuant to the applicable Rules
and Procedures established by the AAA. You agree that the arbitration shall be held in the State of
Georgia, or at any other location that is mutually agreed upon by you and us. You agree that the arbiter
will apply the laws of the State of Florida consistent with the Federal Arbitration Act, and will honor
and agree to all applicable statutes of limitation. You agree that, unless prohibited by law, there shall
be no authority for any claims to be arbitrated on a class or representative basis, and arbitration will
only decide a dispute between you and us. Arbitration proceedings must be initiated within one (1)
year after the disagreement or dispute arises. If any part of this Arbitration clause is later deemed
invalid as a matter of law, then the remaining portions of this section shall remain in effect, except that
in no case shall there be a class arbitration.

14.9 Amendment
We may update or change these Terms from time to time by posting the amended Terms on our
website. Such updates or changes shall be effective at the time of posting. If you continue to use the
Services after we provide notice of such changes, your continued use constitutes an acceptance of the
amended Terms and an agreement to be bound by them. If you do not agree to the amended Terms,
you must close your Aliant account per the termination section of this agreement and discontinue your
use of the Services.

14.10 Force Majeure
Neither you nor we will be liable for delays in processing or other non-performance caused by such
events as fires, telecommunications, utility, or power failures, equipment failures, labor strife, riots,
war, nonperformance of our vendors or suppliers, acts of God, or other causes over which the
respective party has no reasonable control; provided that the party has procedures reasonably suited
to avoid the effects of such acts.

14.11 Survival
The provisions of Sections 3.4 (Representations and Warranties), 4.2 (Security), 6 (Our Ownership of
the Services and the Aliant Website), 7 (Advertising), 8.5 (Certain Deferrals), 11 (Indemnification),
12 (No Warranties), 13 (Limitation of Liability), and 14.8 (Governing Law; Arbitration) shall survive
the termination of these Terms.