Portal User Agreement for payabl.one

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PLEASE READ THIS USER AGREEMENT CAREFULLY
BY USING THE PORTAL, YOU AGREE TO THE USER AGREEMENT.
IF YOU DO NOT AGREE TO THE USER AGREEMENT – DO NOT USE THE PORTAL.

Version No. 1.0, dated 19/10/2026

Definitions

“Portal” – means payabl.one Portal, which is a customer portal located at https://one.payabl.com/ that allows you to use payabl. Products.

“Governing terms” – means the terms and conditions, agreements, rules, and procedures, published on https://payabl.com/legal or otherwise was made available to you or your company-customer and applicable to the payabl. Products that govern the provision of the payabl. Products.

“You”, “User” – means any user, whether acting in an individual capacity or as a representative, employee, contractor or other authorised person of a corporate customer of payabl. (“Company”), who uses the Portal in accordance with this User Agreement;

"We", "Us", “payabl.” – means either of the following, or both:
● “payabl. CY”, which means Payabl. CY Limited, a company incorporated and existing under the laws of the Republic of Cyprus with registration no. HE289380, having its registered address at Agiou Athanasiou 4, Agios Athanasios, Limassol, 4104, Cyprus, which is a payment institution licensed by the Central Bank of Cyprus under no. 115.1.2.9/2018;
● “payabl. UK”, which means a company incorporated and existing under the laws of the United Kingdom with registration no. 13639825, having its registered address at Napier House, 24 High Holborn, London, WC1V 6AZ, United Kingdom, which is an Electronic Money Institution authorised and regulated by the Financial Conduct Authority (FCA) under no. 967259.

“User Agreement” – means this Portal User Agreement with You published at www.payabl.com/legal/portal-user-agreement, which regulates your access to the Portal.

“payabl. Products” – means the payabl. Products that we provide through the Portal to you or the Company.
Unless the context requires otherwise, terms defined in this User Agreement shall have the meaning assigned to them whether or not they are capitalized, and whether used in singular or plural form.

Introductory clauses

i. This User Agreement shall form a legal contract between You and payabl., setting forth the terms governing the use of the Portal.

ii. This User Agreement is entered into and effective from the moment You started using the Portal or You accepted this User Agreement and continues until You or We terminate the User Agreement, or revoke your access to the Portal (this period, the “Term”).

iii. By accepting this User Agreement, you agree to be bound by provisions stated herein.

iv. We may amend this User Agreement at any time and we will notify you of any such amendment through the Portal and/or in any other way we deem appropriate, and any such notices will be considered as an effective way of communication of the relevant amendment to you.

v. We will not charge you for using our Portal.

1.How You Can Use the Portal

1.1. You may use the Portal solely for the purpose of accessing payabl. Products made available to you or your Company from time to time, including, without limitation, payment account, card, acquiring and POS services, in each case subject to the Governing Terms.

1.2. We have the right to change the functionality of the Portal from time to time without any prior notice.

2.Conditions that You must fulfil to use the Portal:

2.1. You must be 18 or over to accept this User Agreement and use the Portal.

2.2. The Portal may be accessed via a web browser from any device that has an internet connection and supports web browser applications.

2.3. Before using the Portal, the following must be true:

2.3.1.    You or the Company must be onboarded with Payabl., or payabl. partners and payment facilitators;
2.3.2.    You or the Company must accept the Governing terms;
2.3.3.    You must be designated as Authorised User as provided by the Governing Terms;
2.3.4.    The Governing terms may apply additional conditions on You or the Company in relation to the Portal Usage.

3.Governing Terms and the Privacy Policy

3.1. The payabl. Products we provide to You and the usage of the Portal will be governed by this User Agreement and the following Governing Terms and privacy policies (the list is non-exhaustive):

Governing Terms	Web address
Legal Page	https://payabl.com/legal
Privacy policy	https://payabl.com/privacy-policy

Other Governing Terms, including agreements concluded between us and the Company, may apply between you and payabl. or between you and the Company.

3.2. Please contact us or your Company representative should you require any clarification regarding the terms of such agreement. Any such agreement shall constitute Governing Terms.

4.Your General Responsibilities when using the Portal

4.1. You must use the Portal only for its intended purpose of accessing and receiving the payabl. Products, in accordance with this User Agreement and applicable terms, including the Governing Terms that apply to you or the Company.

4.2. You must keep your device's operating system and the Portal up to date by installing available updates without undue delay and comply with the security obligations set out in this User Agreement.

4.3. You must provide accurate, complete and up-to-date information when using the Portal and verify all information before submitting it. You are solely responsible for reviewing and confirming the details of any action, transaction or instruction before authorising it. You acknowledge that, once you have authorised a transaction or performed any other action (for example, blocking your Card), it may not be possible to reverse it. We will not be responsible for any loss resulting from inaccurate information or action authorised or performed by you in error, except where otherwise required by applicable law or the Governing Terms.

4.4. If you experience any technical issue or malfunction when using the Portal, you must notify us as soon as reasonably practicable so that we can investigate the issue and, where possible, take appropriate steps to mitigate its impact.

4.5. You are responsible for maintaining an internet connection and any charges imposed by your network or internet service provider when using the Portal.

4.6. You are responsible for enabling notifications where required to receive security alerts, transaction confirmations or other important communications relating to the payabl. Products.

4.7. If we request your contact details, you shall provide complete, accurate and up-to-date contact details and shall promptly notify us of any changes. You are solely responsible for ensuring that such contact details remain valid and monitored. We shall not be liable for any loss of access to the Portal account or any other loss or damage arising from your failure to receive security notifications as a result of inaccurate, outdated or inactive contact details.

5.Scope of the License that we grant to you:

5.1. We grant you a strictly personal, non-exclusive and non-transferable license (the "License") to access and use the Portal, including future updates, on your device and use it in the following manner:

i.    We reserve all rights to the Portal, including property rights, design features, copyrights and other intellectual property rights contained in the Portal.
ii.    No property rights including intellectual property rights are transferred to you. The License exclusively gives you the right to access and use the Portal on your device and use it for the purposes stated herein and/or as stated in the Governing Terms.
iii.    Our trade names, marks and logos (or symbols comparable with these) displayed in the Portal are our property. You may not use any of these trade names, marks or logos.
iv.    You may not alter, copy, distribute, transfer, display, publish, sell, resell or grant a license of our Portal or to any information or software connected with our Portal.

6.The Portal License restrictions

You agree that you will:

6.1. not rent, lease, sub-license, loan, provide, or otherwise make available, the Portal or the payabl. Products in any form, in whole or in part to any person without prior written consent from us;

6.2. not copy the Portal or any Portal Content, except as part of the normal use of the Portal where it is necessary for the purpose of back-up or operational security;

6.3. not translate, merge, adapt, vary, alter or modify, the whole or any part of the Portal or the Portal Content nor permit the Portal or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the Portal, the Portal Content and the payabl. Products on devices as permitted in these terms;

6.4. not use the Portal or any payabl. Product in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this User Agreement, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the Portal, or any operating system;

6.5. not infringe our intellectual property rights, including in connection with the Portal Content, or those of any third party in relation to your use of the Portal;

6.6. bear all fees, charges, or expenses which may be imposed by a device and/or telecommunication service providers for, or in relation to, use of the Portal;

6.7. not transfer any rights and obligations according to this User Agreement to a third party without our explicit consent.

7.Security

7.1. You should act reasonably to ensure the security of the Portal, information and any transactional data. Specifically, you have to:

i.    use all reasonable efforts to protect the confidentiality of your device, emails and other contact data that you leave on the Portal;
ii.    take all security measures to ensure that your device is authenticated and used by you and only by you;
iii.    read all information updates that are notified to you from us from time to time;
iv.    use a secure and unique password and not disclose the password or other credentials to third parties; and
v.    use a mobile authenticator, SMS or other 2FA authentication method.

7.2. If you don’t follow these rules properly, your personal data could be at risk, and someone might gain unauthorized access to your Portal or account.

7.3. You must notify us immediately via contact channels stated in clause 14, if:

i.    you notice any unauthorized use of the Portal;
ii.    you suspect any fraud or that your data has been exposed;
iii.    there is any actual or possible security issue related to your Portal;
iv.    your device has been lost, compromised or stolen.

8.Intellectual property rights

8.1. All intellectual property rights in and to the Portal, including but not limited to its content, design, features, functionality, software, source code, and all trademarks, trade names, logos, and service marks (collectively, the “Portal Content”), are owned by or licensed to Us and are protected by applicable intellectual property laws.

8.2. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Portal and the Portal Content solely for utilizing the payabl. Products and in accordance with this User Agreement and Governing Terms.

8.3. Nothing in this User Agreement grants you any rights, title, or interest in or to any intellectual property owned or licensed by Us, except for the limited license expressly provided above. Any reproduction, distribution, modification, or other unauthorized use of the Portal or Portal Content is strictly prohibited and may result in the termination of your access to the Portal and/or legal action.

9.Liability

9.1. We will not be liable in case you have any trouble accessing the Portal or you encounter any problems while using it.

9.2. We will not be liable for any losses or costs or damage caused by abnormal and/or unforeseeable events which are outside of our control, which might for example include your device failing to work, or resulting from the use of the software on your device which has not been officially approved by the manufacturer of the operating system of your device.

9.3. We will not be liable for any losses and/or costs and/or damage that may occur to your device hardware or software or loss of data that results from the use of the Portal, except if such damage has been caused by our fault.

9.4. We are not liable for any indirect damage and/or loss caused by use of our Portal.

9.5. You are liable for any damage to your device or any loss of data arising from using the Portal, which is not due to our fault.

10.No Warranty

THE PORTAL IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES, REPRESENTATIONS, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PAYABL. DOES NOT WARRANT THAT THE PORTAL OR ITS CONTENT WILL BE ACCURATE, RELIABLE, UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU USE THE PORTAL AT YOUR OWN RISK AND ARE SOLELY RESPONSIBLE FOR ENSURING ITS SUITABILITY FOR YOUR INTENDED PURPOSE AND COMPATIBILITY WITH YOUR DEVICE OR WEB BROWSER. NOTHING IN THIS CLAUSE AFFECTS ANY RIGHTS YOU MAY HAVE UNDER APPLICABLE MANDATORY LAW, INCLUDING CONSUMER PROTECTION LAWS.

11.Termination

11.1. We may terminate your rights to use the Portal and payabl. Products at any time by contacting you, including in the following cases:

i.    if you have breached any condition of this User Agreement;
ii.    if you or the Company have breached any provision of the Governing Terms;
iii.    if your continued use of the Portal threatens, or is likely to threaten, the security, functionality, or integrity of the Portal or payabl. Products;
iv.    in any other case where such termination or suspension is reasonably necessary in accordance with the Governing Terms, payabl.’s internal policies or Applicable law.

11.2. If we end your rights to use the Portal and payabl. Products, you must stop all activities authorized by this User Agreement, including your use of the Portal and any payabl. Products.

11.3. We may remotely restrict your access to the Portal’s functionality or to the payabl. Products.

12.Your privacy

12.1. We are committed to protecting your personal data and respecting your privacy. Our data processing practices are described in detail in our Privacy Policy, which forms an integral part of this User Agreement. Before using the Portal, you are required to read, understand, and accept our Privacy Policy. By accepting this User Agreement and using the Portal, you confirm that you have reviewed and accepted our Privacy Policy. You can access our Privacy Policy at any time at https://payabl.com/privacy-policy

12.2. As required under Article 13 of the General Data Protection Regulation (GDPR), we provide below a summary of how we process your personal data when you use this Portal. This summary complements our Privacy Policy, which applies to all users of our payabl. Products, including the Portal.

Information Category	Description
Types of Personal Data	When you use the Portal, we may collect data such as your full name, contact details, usage data, device information, geolocation (if enabled), and technical identifiers as well as transactional and Payment account details.
Purpose of Processing	Your data is processed for purposes including account management, provision of services, user support, fraud prevention, security, compliance with legal obligations (e.g. AML – Anti Money Laundering Laws, KYC obligations etc.), and improvement of the Portal.
Legal Basis	Processing is based on: Performance of a contract (Art. 6(1)(b) GDPR); Legitimate interests (Art. 6(1)(f)); Compliance with legal obligations (Art. 6(1)(c)); Your consent (Art. 6(1)(a)) for optional features such as location services or marketing communications.
Recipients of Data	Personal data may be shared with service providers and third parties, business partners, and affiliated companies strictly for the purposes stated above, and under contractual confidentiality and data protection obligations.
International Transfers	If your personal data is transferred outside the UK or European Economic Area (EEA), we ensure that your data remains protected. These transfers are carried out in compliance with the EU GDPR and where applicable the UK GDPR. We implement Appropriate safeguards to protect your data, including: Standard Contractual Clauses (SCCs): We use European Commission-approved SCCs and, for UK transfers, the UK's International Data Transfer Agreement (IDTA) or the Addendum to the SCCs. Adequacy Decisions: We rely on data transfer mechanisms such as the UK and EU's adequacy regulations, which recognize that certain countries provide an equivalent level of data protection. We also implement additional technical and organizational measures to ensure that your data is protected to a standard equivalent to that of EU and UK data protection laws.
Data Retention	We retain your data only for as long as necessary for the purposes for which it was collected, or as required by Applicable laws and regulations.
Your Rights	You have the right to request access to your personal data, as well as the rectification or erasure of such data. You may also request the restriction of processing, object to the processing of your data, and exercise your right to data portability, in accordance with Articles 15 to 21 of the GDPR. If you have any questions about the processing of your personal data or wish to exercise your rights, you can contact us at dataprotection@payabl.com. You also have the right to lodge a complaint with a supervisory authority if you believe that your data protection rights have been violated.

13.Analytics data

13.1. We use analytics tools to collect data about your use of the Portal. This data helps us understand how the Portal is used, identify technical issues, and improve your experience. This analytics data we collect may include:

●    Device information: technical details about your device, such as the model, operating system, and software version.
●    Session information: how you interact with the Portal, including screens you view, features you use, and the duration of your sessions.
●    Usage statistics: data on your activities within the Portal, such as button clicks, navigation paths, and other usage trends.
●    Performance data: information related to Portal crashes, error reports, and loading times.

13.2. To the extent that this analytics data does not contain your personal information or confidential data, we will own this data. We may use this data for our business purposes, including:

●    Enhance the Portal: improve functionality, design, and overall user experience.
●    Product support: troubleshoot technical issues and provide more efficient customer support.
●    Business analysis: perform internal analysis to improve our services (including payabl. Products) and marketing strategies.

13.3. We are committed to protecting your privacy. We will not share your analytics data or metrics with any third parties outside of our service providers, and we will only use it for the purposes stated above. To the extent that any analytics data constitutes your personal information, its collection, processing, and storage will be governed by Applicable data protection laws and our comprehensive Privacy Policy.

13.4. When using the Portal, you may be asked to consent to the processing of your analytics data. You may choose to give or withhold such consent. If you withhold consent, we will not collect or otherwise process your analytics data, which contains your personal information, as described herein.

14.Support for the Portal and Contact Information

14.1. Contact Information for the Portal support. If you have any problem with accessing or using the Portal, please contact us at the following email addresses: for banking payabl. Products – banking.techsupport@payabl.com; and for acquiring payabl. Products – tech.support@payabl.com.

14.2. Complaints and feedback. If you are dissatisfied with your experience using the Portal, please contact us and share your feedback. Any complaints or feedback must be submitted in accordance with our Complaints Handling Policy, available at: https://payabl.com/complaints-handling-policy

14.3. How we will communicate with you. If we need to contact you, we will do so via the Portal or by email, phone, by SMS, using the contact details you have provided to us. We will never ask you for your password or authenticator codes, by phone, email, SMS or chat.

15.We may transfer this User agreement to someone else

15.1. We may transfer our rights and obligations under this user Agreement to other third parties. We will inform you if this happens and we will ensure that the transfer will not affect your rights under the User Agreement.

16.If a court finds part of this contract illegal, the rest will continue in force

16.1. Each of the paragraphs of this User Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

17.Even if we delay in enforcing this User Agreement, we can still enforce it later

17.1. If we delay in enforcing this User Agreement, we can still do so later. For example, if we don’t immediately take action when you break the rules, that doesn’t mean you’re no longer required to follow them, and it won’t stop us from taking action in the future.

18.Which laws apply to this User Agreement and where you may bring legal proceedings

18.1.Depending on which payabl. entity you or your Company entered the General Terms with, this User Agreement shall be governed either:

i. if you or the Company belong to our EEA region: by the laws of the Republic of Cyprus;
ii. If you or the Company belong to our UK region: by the laws of England and Wales.

18.2. Any disputes arising out of or in connection with this User Agreement that cannot be resolved through the internal complaints handling procedure shall be submitted to the competent courts of Cyprus or the United Kingdom, whichever is applicable based on your region, unless otherwise mandated by applicable consumer protection laws.

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