GENERAL TERMS OF USE

GENERAL ASPECTS

Definitions

For purposes of these Terms of Use, the expressions below shall have the following meanings when used in capital letters, in the singular or plural:

Restricted Activities:

Set of activities, practices, products, or services whose performance, offer, or commercialization is prohibited on the Mundpay Platform, pursuant to these Terms of Use, Mundpay's internal policies, and applicable legislation.

Chargeback or Dispute:

Request for cancellation, reversal, or refund of a credit card transaction, submitted by the cardholder to the issuer or card network. The dispute is communicated to the acquirer or sub-acquirer responsible for the transaction, which notifies Mundpay. If the dispute is accepted by the card issuer, the corresponding amount is refunded to the cardholder.

Seller:

Individual or legal entity that uses the Mundpay Platform to commercialize Digital Products or Services and receive payments from such transactions. Responsible for the accuracy of registered information, delivery of products and services to customers, legal compliance of their activities, and full compliance with this Agreement.

Affiliate:

Individual or legal entity that, with the Seller's authorization, promotes or publicizes Products or Services through digital marketing strategies, assuming responsibility for their conduct, compliance with applicable rules, and the guidelines established by the Seller and Mundpay. The Affiliate is not part of the contractual relationship between the Seller and Mundpay, being solely responsible for their actions and communications before consumers and authorities.

User:

Comprehensive term designating any individual or legal entity that uses the Mundpay Platform, including Sellers, Affiliates, buyers, or any third party that accesses or interacts with the available services. Each User is responsible for the accuracy of the information provided, compliance with contractual rules, ethical conduct, and compliance with applicable legislation.

Affiliate User:

Individual or legal entity that promotes, publicizes, or commercializes third-party digital products, using the Mundpay Platform for transaction processing, intermediation, and management.

Buyer User:

Individual or legal entity that acquires digital products made available by Producers and/or Affiliates, using the Mundpay Platform for payment processing.

Producer User:

Individual or legal entity that commercializes digital products of their own or for which they hold valid authorization to exploit intellectual property rights, using the Mundpay Platform for transaction processing and management.

Supplier User:

Individual or legal entity that provides services, licenses, or operational resources—whether digital or non-digital—necessary for enabling, supporting, or enhancing the commercialization of products within the Mundpay Platform, and that receives payments through the Platform for such supplies.

Marketplace:

Digital environment operated by a third party, in which different Sellers may offer their products and services, with Mundpay acting as a payment facilitator, processing transactions and settling amounts due, as applicable. The Marketplace is responsible for its relationship with its Sellers and the compliance of offers made on its platform.

Platform:

Technological environment made available and operated by Mundpay, comprising systems, APIs, interfaces, and other digital resources intended for payment intermediation and processing, financial management, technical support, and other functionalities provided for in this Agreement. Also includes security tools, encryption, and protocols suitable for handling domestic and international transactions.

Restricted Activities and Prohibited Activities:

Set of activities, products, services, or practices prohibited or limited on the Mundpay Platform, pursuant to these Terms of Use, Mundpay's internal policies, card network rules, Central Bank of Brazil regulations, and other applicable legislation. The User undertakes to fully comply with such restrictions, under penalty of suspension, retention of funds, or account closure.

Bank Account:

Financial account owned by the User, registered and validated on the Platform, intended to receive funds arising from their transactions processed by Mundpay. The accuracy of the Bank Account data is the sole responsibility of the User.

Fee or Charge:

Remuneration owed by the User to Mundpay for intermediation, processing, settlement, risk management, support, and other functions made available on the Platform. Fees are applied in accordance with the current commercial model and conditions established in this Agreement.

Taxes:

Tax obligations applicable to the activities carried out by the User, including taxes, fees, contributions, and other fiscal charges. The calculation, assessment, collection, and tax compliance are entirely the User's responsibility, with no joint or subsidiary liability on the part of Mundpay.

Transaction:

Financial operation initiated by the Buyer and processed by the Platform, involving authorization, capture, settlement, reversal, dispute, or any related movement, covering the principal amount and applicable fees. Considered complete only after final settlement.

Net Balance:

Amount available to the User after automatic deduction of fees, charges, commissions, amounts owed to Affiliates, reversals, chargebacks, security reserves, holds, and applicable operational charges.

Security Reserve / Rolling Reserve:

Amount retained by Mundpay on a preventive or corrective basis, intended to cover chargeback risks, disputes, fraud, penalties, or operational inconsistencies. May be applied for a definite or indefinite period, as determined by risk assessment.

Payout / Transfer / Settlement:

Process by which Mundpay transfers to the User the Net Balance available in their Virtual Account, observing the deadlines, criteria, holds, minimum amounts, and security conditions set forth in these Terms of Use.

Reversal / Refund:

Voluntary or compulsory reversal of a transaction, carried out by Mundpay to the Buyer, whether at the Seller's request, by Mundpay's decision, or by legal determination, not to be confused with a chargeback.

KYC (Know Your Customer) / Account Verification:

Identification and documentary validation procedures required for account opening, maintenance, and use, including identity analysis, legal verifications, and compliance due diligence, which may result in account suspension or closure in the event of inconsistency.

Suspicious Operations:

Atypical or inconsistent movements with the User's profile, including disproportionate volumes, multiple failed attempts, fraud patterns, misuse of the Platform, high chargeback rates, or potentially unlawful activities, as defined by objective compliance and risk monitoring criteria.

Maintenance Windows:

Previously announced or necessary periods for updates, performance improvements, bug fixes, security, and technological evolution of the Platform, which may result in total or partial service unavailability.

Scheduled Unavailability:

Temporary service interruption due to technical, operational, or security needs, previously communicated or arising from emergency events, not constituting a failure in service provision.

API / Technology Integrator:

Programming interface provided by Mundpay for integration of third-party systems, with the correct implementation, maintenance, security, and use of resources being the sole responsibility of the User or developer.

Applicability and Acceptance of Terms

These Terms of Use apply to all websites, digital platforms, systems, interfaces, applications, and other electronic means made available by Mundpay, as well as to all individuals or legal entities that access or use them as Users.

Accessing, browsing, or using any resource of the Platform implies full, express, and unequivocal acceptance of these Terms of Use, which constitute a legally binding contractual instrument between the User and Mundpay. If the User disagrees with any of the provisions herein, they must immediately cease access to or use of the Platform.

These Terms govern access to and use of the Platform domestically and internationally, subject to applicable legal, regulatory, technical, and operational limitations. Certain services, features, or resources may not be available in all jurisdictions or for all Users, in accordance with regulatory standards, internal risk policies, and compliance requirements.

Scope of the Platform and Services

These Terms of Use constitute a legally binding agreement between the User and Mundpay and govern access to and use of the website https://mundpay.com/, its subdomains, and any other digital environments, interfaces, applications, systems, or electronic means through which Mundpay makes available its products, services, features, and resources, including applications for mobile devices, tablets, or other electronic equipment, encompassing all services, operations, and functionalities related to or integrated with the Mundpay Platform.

The Mundpay group entity actually engaged by the User for Platform access and transaction operations may vary depending on the nature of the operation, the country or countries of residence of the User(s), the applicable jurisdiction, and the currency in which the transaction is conducted. For regulatory and contractual transparency purposes, Mundpay has headquarters, branches, and/or representatives in the following jurisdictions:

• United States

Mundpay, LLC, registered under EIN Nº. 36-5099929, headquartered at 169 Madison Avenue, New York, NY 10016, USA

Mund USA LLC, registered under EIN Nº. 32-0819366, located at 1160 Heron Sound Dr, Suite 50, Apopka, FL 32703, USA;

• Brazil

Mundpay Pagamentos Internacionais Ltda., registered under CNPJ No. 55.009.285/0001-13, headquartered at Avenida Alfredo Balthazar da Silveira, No. 580, Recreio dos Bandeirantes, Rio de Janeiro, Brazil;

• Europe

MundP Tech OÜ, registered under No. 7270502, with address at Harju maakond, Tallinn, Lasnamäe linnaosa, Ruunaoja tn 3, 11415.

The identification of the entity responsible for providing services to the User will be defined according to the specific transaction, subject to the applicable legal, regulatory, foreign exchange, and compliance requirements in each jurisdiction.

Supplementary Policies

The User declares to be aware of and to agree with the content of these Terms of Use, as well as all applicable institutional policies of Mundpay, including, but not limited to, the Privacy Policy, Anti-Money Laundering (AML) policies, Fraud Prevention, Information Security, and other internal compliance standards.

Such policies are incorporated into these Terms for all legal purposes, even if made available in separate documents. In the event of conflict between these Terms and any Mundpay policies, the provisions of these Terms shall prevail, unless a specific policy is expressly stipulated to take precedence due to legal or regulatory requirements.

These Terms and any eventual updates supersede and prevail over any prior understandings, proposals, communications, or agreements, verbal or written, entered into between the User and Mundpay.

Data and Information Processing

The User declares to be aware of and expressly authorizes their personal and registration data, including identification, contact, banking, access records, and transactional data, to be collected, used, stored, and processed by Mundpay, in compliance with LGPD (Brazil), Consumer Protection Code (Brazil), GDPR (EU), FIPA (USA - FLORIDA), and other applicable regulations, for the purpose of executing services, fulfilling legal and contractual obligations, preventing fraud and unlawful acts, risk management, compliance with internal governance policies, and exercising legal rights.

The User agrees that data may be shared, proportionately and within the limits of the law, with competent authorities upon formal request, as well as with commercial, technological, and operational partners, financial institutions, insurers (including for E&O Insurance purposes), auditors, and service providers, when necessary to enable, ensure, or audit the provision of services.

Data may also be shared with parties directly involved in transactions, disputes, mediations, internal investigations, or irregularity proceedings, whenever necessary for fact-finding, conflict resolution, damage prevention, or compliance with a legal or regulatory duty, which may occur without prior notice to the User and shall not, under any circumstances, give rise to a right to compensation for patrimonial or non-patrimonial damages, provided that such sharing is carried out in good faith and in strict compliance with a legal or regulatory duty.

Mundpay undertakes to maintain the confidentiality of information and to adopt appropriate technical, administrative, and organizational measures, compatible with market standards, to protect it against unauthorized access, loss, alteration, or improper disclosure.

The User acknowledges that, in the face of legal, operational, regulatory, or reputational risks — including those with potential national or international media repercussions — Mundpay may use, preserve, and, when necessary, share the data strictly necessary to protect its rights, institutional image, partners, and third parties. The User also acknowledges that such measures may encompass debt collection proceedings, including accounts with negative balances, by requesting regularization of financial pending matters on the platform.

The User further acknowledges that any repeated default shall give rise to the cumulative application of default interest, monetary adjustment based on the applicable official inflation index, and a late payment penalty of up to two percent (2%) on the outstanding amount.

Nothing in this instrument implies waiver of legal rights or assumption of liability beyond the limits provided by law, and contractual balance, objective good faith, and transparency shall be preserved. Detailed information on the purposes, legal bases, data subjects' rights, and security measures adopted is described in Mundpay's Privacy Policy, consent to which is an essential condition for use of the Platform.

Preservation of Rights and Non-Waiver

Any eventual tolerance, omission, or non-exercise by Mundpay of any rights provided for in these Terms, in applicable legislation, or in regulatory standards shall not constitute waiver, novation, or contractual amendment. Mundpay may exercise such rights at any time, at its sole discretion, subject to legal limits.

Any eventual and specific waiver of the exercise of a given right shall not imply waiver of other rights, nor shall it affect the full enforceability of the remaining provisions of these Terms.

Mundpay's Activity

The legal relationship between the User and Mundpay will be defined by the economic group entity effectively engaged to enable Platform access and process transactions, considering the jurisdiction, nature of the operation, and currency involved.

By accepting the Terms of Use, the User grants Mundpay the necessary powers to carry out activities related to maintaining the commercial relationship, contractual compliance, and observance of internal and regulatory policies.

Mundpay operates exclusively as a provider of technological and operational services for electronic transaction intermediation and management, and does not perform activities exclusive to financial institutions, nor does it grant its own credit, administer cards, accept deposits, or directly provide financial services.

With regard to operational models:

• In Brazil, Mundpay operates predominantly as a Marketplace / Intermediation Platform, providing technological infrastructure to connect Buyers, Sellers, Producers, and Affiliates, enabling the offering, disclosure, and processing of transactions, without being part of the supply chain of the products or services commercialized.

• In the United States and Europe, Mundpay may operate as a Merchant of Record (MoR), assuming formal responsibility for the financial processing of transactions before acquirers, sub-acquirers, card networks, issuers, payment providers, financial institutions, and operational partners, including for settlement, collection, risk management, and transactional compliance purposes, without such condition implying assumption of responsibility for the nature, quality, delivery, support, or legality of the products and services offered, which remain the sole responsibility of their suppliers.

ETHOCA and VERIFI Alert Services

The Ethoca and Verifi Alert Services, affiliated with the Mastercard card network, apply to Mundpay Clients subject to the risk of chargebacks arising from transactions conducted with Payers or cardholders.

Such services are intended to mitigate risks and reduce chargeback rates, consisting exclusively of receiving real-time fraud and reversal alerts for transactions carried out with Mastercard and Visa cards, allowing the Client to take preventive measures.

The Client acknowledges and agrees that all transactions that are the subject of an alert, once received or confirmed, may be automatically reversed. For each reversal carried out as a result of Ethoca or Verifi alerts, the Client may be charged a fee of up to BRL 150.00 (one hundred and fifty Brazilian reais), which will be debited at the time the alert is received by Mundpay.

The said fee may be adjusted annually in June, based on the positive variation of the applicable official inflation index accumulated over the twelve preceding months, or, in the event of its extinction, by another official index that may replace it.

Should the Client exceed a chargeback rate of 1% (one percent) requested by Payers or cardholders, Mundpay may, at its sole discretion, apply additional fees for the continued use of payment services, as well as adopt risk mitigation measures, including, but not limited to, suspension or deactivation of the Platform registration and blocking of balances for up to 120 (one hundred and twenty) days, without prejudice to other penalties provided for in these Terms of Use.

Affiliate Compensation and CPA Payment Conditions

The Affiliate acknowledges and agrees that their compensation may be structured under two distinct models: (i) percentage-based remuneration, calculated on the value of transactions effectively processed through their referral link; and (ii) fixed per-acquisition compensation (CPA — Cost Per Acquisition), the payment of which is contingent upon the fulfillment of a minimum threshold requirement by the Producer or Supplier User responsible for the promoted product.

Fixed compensation (CPA) shall only be disbursed once the Producer or Supplier User responsible for the promoted product has accumulated a minimum balance in sales of the respective product within their Platform account.

Until such minimum threshold is reached, CPA payment shall remain suspended, and no compensation, indemnification, or monetary adjustment shall be owed on account of this waiting period. Mundpay assumes no liability for the non-receipt of CPA compensation during any period in which the Producer or Supplier User has not yet reached the required minimum sales volume, such circumstance being a matter of exclusive responsibility between the Users involved in the offering and promotion of the product.

USER REGISTRATION

User Registration and Eligibility Requirements

Individuals and legal entities meeting the legal requirements and Mundpay's internal policies may register as Users of the Mundpay Platform as Producers, Affiliates, Creators, Co-producers, Collaborators, or Buyers. Individuals who are of full civil capacity, at least 18 (eighteen) years of age, or emancipated in accordance with applicable legislation, with no legal impediments, may register as individuals. Legal entities may register through their duly constituted partners, officers, or legal representatives, who declare they have sufficient powers and authorizations to validly bind them to Mundpay.

By accepting these Terms of Use, the User declares, under penalty of law, to be fully capable of performing all acts of civil life and, in the case of registration on behalf of a legal entity, declares to have the legitimacy and authorization to grant Mundpay all permissions, licenses, and authorizations provided for in these Terms and other applicable institutional policies.

Buyer registration may be performed by persons aged 13 (thirteen) years or older, and adolescents between 13 (thirteen) and 18 (eighteen) years of age must be duly authorized by their parents or legal guardians. Registration and acceptance of these Terms presuppose the existence of such authorization. Mundpay may cancel the registration of Users under 18 (eighteen) years of age upon request by their parents or legal guardians, without any right to compensation or refund of amounts related to products or services acquired during the registration period.

Mundpay may, at its sole discretion, refuse, suspend, or cancel the registration of Users who have been convicted by a final and unappealable judicial decision, or in relation to whom there is relevant evidence of involvement in crimes or misdemeanors, criminal organizations, money laundering, terrorist financing, international human trafficking, or crimes committed by electronic or cybernetic means, as well as in other cases provided by law, under Mundpay’s internal policies, or arising from its commercial discretion. 

User Registration and Access Information

Upon completing registration on the Platform, the User declares and warrants that all information provided is complete, accurate, truthful, up-to-date, and in compliance with current legislation, assuming sole, exclusive, and comprehensive responsibility before Mundpay and third parties for such information and for any consequences arising from its misuse or incorrectness.

Registration shall be carried out through the completion of an electronic form, in which the User shall provide their personal or corporate data and define their access credentials, including login and Access Code, which will allow access to the User's Account, balance inquiries, transaction tracking, and requests for fund transfers to the previously linked bank account.

Access credentials are strictly personal, confidential, and non-transferable, and may be changed exclusively by the User. The User undertakes to maintain the confidentiality and security of their credentials, being fully responsible for their safekeeping, use, and for all activities carried out through their account. Mundpay is not responsible for damages of any nature arising from the misuse of the account by third parties.

No employee, collaborator, representative, or agent of Mundpay is authorized to request or require the Buyer User to share their access credentials. The User shall not share such information with other Platform Users, including Creators or Affiliates. If the User identifies or suspects loss, misplacement, misuse, or compromise of the confidentiality of their credentials, they must immediately notify Mundpay for the adoption of appropriate measures.

Registration Analysis and Verification

Following registration completion, the information provided by the User, whether an individual or legal entity, will be subject to registration analysis, which may take up to 72 (seventy-two) business hours to confirm and authorize the User to conduct transactions on the Platform.

Mundpay may, at any time, adopt additional measures to verify the accuracy, authenticity, and legitimacy of the information provided, including by consulting public or private databases, domestic or international, subject to applicable legislation, regulatory standards, and internal compliance, AML, KYC, and fraud prevention policies.

Accuracy of Information

Upon registration, the User declares and warrants that all information provided is complete, accurate, truthful, up-to-date, and in compliance with current legislation, assuming sole, exclusive, and comprehensive responsibility for such information, as well as for any damages or losses arising from its inaccuracy, omission, or misuse.

Registration shall be completed through an electronic form, in which the User will define their access credentials, which will allow access to their Account, balance inquiries, transaction tracking, and requests for fund transfers to a previously linked bank account. Access credentials are personal, confidential, and non-transferable, with the User being solely responsible for their safekeeping, security, and use.

After submission of registration information, it will be subject to analysis and validation by Mundpay, which may take up to 72 (seventy-two) business hours for the User to be authorized to transact on the Platform. Mundpay may, at any time, adopt additional verification measures, including by consulting public or private databases, domestic or international, to confirm the legitimacy, accuracy, and currency of the information provided, in compliance with applicable legislation and its AML/CFT, KYC, and fraud prevention policies.

Transparency, Duty to Inform, and Relationship with Third Parties

Users offering products or services through the Platform undertake to provide Mundpay, other Users, and third parties with all reasonably expected and legally required information about such products or services, in a complete, clear, objective, transparent, unequivocal, and up-to-date manner, both within and outside the Platform.

This information includes, without limitation, those relating to the description, purpose, characteristics, composition, quality, and quantity of the product or service; prices, payment methods, installment conditions, promotions, and discounts; deadlines, methods, and conditions of delivery, access, exchange, return, warranty, and exercise of the right of withdrawal; rules applicable to updates, versions, certifications, mandatory requirements; user rights and limitations; as well as any other information required by law or necessary for the adequate understanding and use of the product or service.

The User is fully responsible for actions or omissions of third parties directly or indirectly related to the products or services offered, including, but not limited to, partners, collaborators, specialists, service providers, representatives, influencers, or any individuals or legal entities involved. The User declares and warrants that such third parties are aware of, agree to, and comply with these Terms of Use and Mundpay's policies, taking responsibility for obtaining and maintaining all necessary authorizations for the use of image, voice, name, and other personality rights, as well as for compliance with applicable regulations, including those involving the participation of minors.

The User is solely responsible for maintaining its registration data and all legal, tax, and regulatory obligations duly updated and in good standing with the competent authorities in the jurisdiction where it operates. 

Mundpay may adopt corrective, preventive, or sanctioning measures, including the suspension or removal of Users, accounts, or products from the Platform, whenever it identifies violations of these Terms, institutional policies, or applicable legislation, including those resulting from acts or omissions of related third parties.

Politically Exposed Persons (PEP)

Mundpay does not accept the registration, activation, or maintenance of Sellers who are PEPs — Politically Exposed Persons — nor of Sellers who have, as partners, officers, attorneys, ultimate beneficial owners (UBOs), representatives, or controllers, individuals classified as PEPs or their close family members or associates.

For purposes of this Agreement, a PEP is any person who exercises or has exercised, in the last 5 years, a prominent public function in Brazil or abroad (including, without limitation: Heads of State, members of the Executive, Legislative, or Judicial branch in senior positions, directors of state-owned companies, senior military officers, relevant party leaders, members of Courts of Auditors and regulatory bodies), as well as their immediate family members (spouse/partner, parents, children, and in-laws) and close associates (individuals publicly known to maintain close ties with the PEP).

Producer Users and Affiliates declare that they are not PEPs and that none of their UBOs, officers, attorneys, representatives, or controllers qualify as a PEP, immediate family member, or close associate.

Producer Users and Affiliates undertake to immediately notify Mundpay of any change that leads to PEP classification of themselves or persons in their corporate/decision-making chain.

The identification, at any time, of PEP classification (or omission/untruth regarding such condition) authorizes Mundpay to immediately and at its sole discretion: refuse onboarding, suspend/close the account, block/retain funds for a reasonable period for risk management and regulatory obligations, cancel/refund future transactions, and terminate this Agreement for just cause, without any compensation.

Mundpay may conduct periodic screenings and revalidations in public/private databases, request additional documents (KYC/KYB), and, where applicable, report suspicious operations or situations required by law/regulation to competent authorities.

Non-compliance with this clause constitutes a material breach. Sellers shall indemnify Mundpay for losses, costs, fines, expenses, and attorney's fees arising from such violation, without prejudice to other contractual and legal measures.

In the event of interpretive conflict, Mundpay's AML/CFT policy and any Regional Annexes shall prevail, without waiving the PEP ineligibility established herein.

PRODUCT AND SERVICE REGISTRATION

Product Registration, Platform Use, and Prohibited Activities

The registration and commercialization of products and services on the Mundpay Platform are subject to full compliance with applicable legislation, these Terms of Use, and Mundpay's institutional policies. The commercialization of products, services, content, activities, sectors, or operations that are illegal, irregular, unauthorized, or incompatible with Mundpay's business model, corporate values, and compliance guidelines is expressly prohibited.

Any violation of the provisions of this section may result in the immediate freezing of operations, including balances and transactions, regardless of prior notice. It is the User's duty to stay informed of any updates to these Terms, and they are required to always observe the most current and effective version.

Product approval may occur automatically and immediately, which does not exempt the User from the obligation to fully comply with applicable contractual, legal, and regulatory rules, especially those related to intellectual property, the accuracy of information provided, and the compliance of the product offered.

Transparency, Advertising, and Product Claims

False, misleading, or potentially error-inducing claims are expressly prohibited, including promises of unrealistic, unproven, or disproportionate financial gains. The User must clearly, accurately, and visibly disclose any conditions, limitations, risks, or restrictions associated with the product or service offered, including when only a small portion of users may obtain certain results.

In the case of products related to health, wellness, weight loss, supplements, medical devices, or similar, claims without adequate scientific support are prohibited. When required by applicable legislation, the product must have the necessary authorizations and approvals from competent authorities, including, where applicable, international regulatory bodies such as the FDA, under penalty of suspension or removal of the product from the Platform.

High-Risk Jurisdictions and Persons

In compliance with guidelines issued by internationally recognized bodies, such as the U.S. Office of Foreign Assets Control, the United Kingdom Sanctions List, or the United Nations Security Council Sanctions List, Mundpay does not transact or operate with Users located in certain countries or regions, in accordance with global standards and best practices aimed at preventing money laundering, fraudulent acts, and the financing of illegal activities. The use of Mundpay's services for any business, contracting, or sale of goods and services, directly or indirectly, involving jurisdictions, persons, or entities classified as high-risk is prohibited.

High-risk jurisdictions include, among others, those subject to economic sanctions or international restrictions, such as Cuba, Iran, North Korea, Syria, as well as the regions of Crimea, Donetsk, and Luhansk, and the negotiation of products involving imports or exports from Russia is also prohibited. Transactions with individuals or legal entities included in sanction, restriction, or blocking lists maintained by the authorities of the United States, United Kingdom, European Union, or United Nations are also prohibited, including, but not limited to, the OFAC and U.S. Department of Commerce lists.

Prohibited Uses of Mundpay Products and Services

The use of the Platform or Mundpay products is prohibited for: use of false, inaccurate, manipulated, or misleading data relating to the User's identity, legal entity, nature of the operation, or any requested information, with the User being required to immediately report any registration changes; conducting transactions on behalf of unidentified third parties or for the commercialization of products or services not reported at the time of account opening; using Mundpay as a virtual terminal or for the mass manual entry of card data; processing transactions without an actual sale of goods or provision of services, including card testing; unauthorized use of Mundpay's intellectual property, including name, trademarks, logos, or distinctive signs, without express written authorization, as well as any practice that suggests false endorsement, affiliation, or association with Mundpay.

Mundpay's conduct is guided by respect for customers, Users, and applicable legislation, and does not allow the offering or commercialization of products and content that violate such guidelines or its internal policies. In case of doubt as to the classification of a particular product or service, the illustrative list of prohibited items and restricted activities may be found in the Acceptable Use Policy (AUP).

Regular Use, Security, and Platform Integrity

The User undertakes to use the Platform in an ethical, responsible manner and in compliance with applicable legislation. Any attempt to violate security mechanisms, exploit systemic vulnerabilities, manipulate prices, interfere with third-party transactions, or alter product information after its validation by Mundpay is prohibited.

The adoption of abusive or harmful disclosure practices, data collection, or advertising, including spam, flooding, malware, adware, or any techniques that harm the User experience or Platform stability, is prohibited. The User may not suggest or declare that the Platform constitutes an easy, fast, or guaranteed means of obtaining income, nor may they use automated systems, robots, scripts, or similar tools in a manner incompatible with these Terms or applicable legislation.

It is also prohibited to purchase products through one's own affiliate link, replace links for personal or third-party benefit, use the product's own affiliate link on its sales page, or collect or use data or content from the Platform to train artificial intelligence models, except with Mundpay's express authorization.

Disclosure and Independence of Mundpay

Mundpay may, at its sole discretion, make available, highlight, or promote products registered on the Platform in its digital environments, internal showcases, institutional communications, advertising campaigns, promotional materials, or through third-party channels and services, with the aim of expanding their visibility and commercial reach. Such disclosure does not, in any circumstances, constitute endorsement, certification, content validation, or assumption of responsibility by Mundpay for the quality, truthfulness, regularity, legality, or suitability of the products offered, which remain under the full and exclusive responsibility of their respective Creators, Producers, or Affiliates. Said promotion also does not give the User any right to remuneration, financial compensation, indemnification, or additional benefit.

INTELLECTUAL PROPERTY PROTECTION

Mundpay

All intellectual property rights related to Mundpay are its exclusive property, including, but not limited to, the Platform's software, systems, source code, algorithms, databases, interfaces, layouts, design, visual identity, operational flows, proprietary technologies, trademarks, business names, establishment titles, domains, logos, content, institutional materials, and other intangible assets, whether registered or not.

Access to and use of the Platform do not imply assignment, transfer, or definitive licensing of any rights, being limited to the permissions strictly necessary for regular use of the services.

The reproduction, modification, adaptation, translation, distribution, publication, display, licensing, commercialization, economic exploitation, reverse engineering, decompilation, or misuse of any of Mundpay's intellectual property assets is expressly prohibited.

Recognition of Ownership, Domain, and Visual Identity

The User acknowledges that the domain name(s) linked to Mundpay, including but not limited to www.mundpay.com and its subdomains, as well as all distinctive signs used on the Platform, constitute Mundpay's digital establishment title, visual identity, and distinctive elements, protected against misuse, reproduction, imitation, or parasitic exploitation.

Mundpay safeguards its rights based on good-faith use and prior use precedence, in accordance with the priority rights established under Brazilian Law No. 9,279/1996 (Industrial Property Law). In addition, the company relies on all applicable regulations, treaties, and international agreements in the jurisdictions where it operates, ensuring protection against any subsequent registrations that may conflict with or be confusingly similar to its marks or proprietary assets.

Trademark Use and Improper Association

The use of Mundpay's trademarks, logos, trade names, distinctive signs, or any identity elements for the purpose of promoting products, services, or content, as well as to suggest, directly or indirectly, the following, is prohibited:

• Non-existent commercial association;

• Partnership, certification, or endorsement;

• Corporate or institutional ties;

• Product approval or endorsement.

Any use requires prior, express, and written authorization from Mundpay, of a personal, non-transferable, revocable nature, and restricted to the purpose granted.

License of Use Granted by Users to Mundpay

Users who register products or content declare that they hold the rights necessary for their exploitation and grant Mundpay a non-exclusive, royalty-free, worldwide, sublicensable license for hosting, processing, technical adaptation, disclosure, transmission, display, and distribution, within the limits necessary for the provision of services.

The license does not imply transfer of ownership, with rights remaining under the ownership of their respective holders.

Prohibition of Unfair Competition

The User undertakes not to engage in acts of unfair competition, pursuant to applicable legislation, including, but not limited to:

• Using fraudulent means to divert, for their own or third-party benefit, Mundpay's clientele;

• Using or imitating expressions, advertising signs, visual identity, or distinctive elements capable of causing confusion among consumers;

• Improperly using Mundpay's trade name, establishment title, domain, insignia, or distinctive signs;

• Producing, disseminating, or broadcasting content that misleads the public as to the origin, affiliation, or legitimacy of services.

Such conduct will be considered serious contractual violations, without prejudice to applicable legal liability in civil and criminal spheres.

Prohibition of Parasitism and Improper Domain Use

It is expressly prohibited for the User to:

• Register domain names identical or similar to those of Mundpay;

• Use phonetic, orthographic, or visual variations that may cause confusion;

• Create profiles on social networks with confusingly similar names;

• Use the "Mundpay" trademark or variations in sponsored advertisements, paid links, keywords, or media campaigns;

• Engage in brand bidding, cybersquatting, typosquatting, or any form of digital parasitism.

Parasitism is understood as the improper exploitation of Mundpay's reputation, investment, traffic, brand positioning, or credibility for commercial gain or clientele diversion.

Penalties for Violation

Violation of the provisions relating to intellectual property, unfair competition, or parasitism will result, at Mundpay's sole discretion, in the isolated or cumulative adoption of the following measures:

• Immediate account suspension;

• Blocking of features;

• Fund retention;

• Content removal;

• Contract termination for just cause.

Without prejudice to the above, the offender shall be subject to a non-compensatory fine to be defined in a specific instrument or policy, as well as to an assessment of material and moral damages, including lost profits arising from clientele diversion and other applicable legislation.

Users and Third Parties

Copyrights constitute legal protection granted to original works, such as books, music, films, art, photographs, videos, and other creative expressions, protecting the form of expression of the idea, not the idea itself.

Elements such as names, titles, and slogans are generally not protected by copyright but may be protected by trademark legislation, which protects distinctive signs used to identify and differentiate products or services, preventing consumer confusion.

In this regard, the Producer, upon registering any product on the Mundpay platform, declares and confirms, under their sole responsibility, that they hold the copyrights and intellectual property rights related to the content made available, assuming full responsibility for the legitimacy of the material inserted.

It should be noted that the availability of the product on the platform occurs immediately and automatically, without prior analysis of merit, quality, legality, or technical aspects by Mundpay. Under such conditions, Mundpay is not responsible for the content, technical characteristics, or quality of the registered infoproducts, remaining, however, available to receive requests and investigations, at which time it will adopt the appropriate measures within its internal criteria.

Liability for Third-Party Rights

Users are fully responsible for ensuring that products, content, trademarks, images, voices, works, and materials used do not violate third-party rights.

In the event of infringement, Mundpay may remove content, suspend accounts, block funds, and adopt applicable legal measures, with the User being obligated to fully compensate any damages caused.

Channel for Notification of Copyright Infringement

The Producer who suspects infringement of their Copyright may submit a formal complaint to contato@mundpay.com.br, providing documents and information proving the authorship of the product, as well as elements evidencing the alleged infringement, such as video content, images, photographs, artwork, texts, or any other allegedly plagiarized materials.

Likewise, any user who identifies a violation of Intellectual Property rights in an infoproduct commercialized on the platform may submit a Request to the Customer Service Department, through the same email address, expressly indicating the ownership of the violated right and a detailed description of the infringement.

Upon receipt of the notification, Mundpay will conduct an internal verification and formally communicate its position on the case, and may adopt the measures it deems appropriate.

Mundpay does not accept complaints from third parties without standing. Complaints must be submitted exclusively by the holder of the allegedly violated right or by their duly constituted legal representative, with a valid power of attorney and supporting documents.

By submitting the complaint, the Complainant declares to be aware of and agrees that their data and information may be shared with the Respondent, strictly for the purpose of fact-finding, enabling contact for clarifications, the presentation of a defense, and/or an attempt at settlement between the parties.

Formal Requirements for Notification

For adequate documentation of the complaint, it is recommended that the notifier provide, whenever possible:

• Declaration containing the electronic or physical signature of the copyright holder or authorized representative;

• Description of the copyrighted work alleged to have been infringed;

• Precise indication of the location of the infringing material on the platform;

• Address, phone number, and email for contact;

• Good faith declaration that the material use was not authorized;

• Declaration of truthfulness of the information provided, under penalty of law, affirming to be the rights holder or authorized representative.

Preliminary Blocking or Suspension Measures

When it deems there to be an emergency or imminent risk of continued violation, Mundpay may, at its sole discretion, proceed with the preliminary blocking or suspension of the reported infoproduct, regardless of prior notification.

In such cases, the Respondent shall have no right to any form of compensation and hereby declares to be aware of and to agree with the terms established herein.

The Producer whose infoproduct has been blocked shall be guaranteed the right to subsequently submit clarifications and documents deemed pertinent, should they consider the measure undue.

REFUNDS

Refund requests may be formalized by the Buyer within the product's warranty period, through the link provided by the platform: https://mundpay.com/ajuda-contato/. If the request is within the applicable period, the request will be processed automatically by the platform.

Mundpay, regardless of prior consultation or consent from the Producer, reserves the right to intervene and directly proceed with a refund to the Buyer whenever it identifies circumstances that may compromise adequate service provision, good faith in consumer relations, or the regularity of the offers made available on the platform.

Such prerogative may be exercised, including, when the Buyer reports the absence of a response or lack of support from the Producer, as well as when invalid, non-existent, or non-operational customer service channels registered for customer support are identified.

Likewise, Mundpay may proceed with the refund if there are complaints or incidents in administrative, extrajudicial, or judicial channels — including, but not limited to, consumer protection agencies or public complaint platforms — whenever such occurrences indicate a risk to the consumer experience, the platform's reputation, or the regulatory compliance of operations.

The measure may also be adopted when evidence or confirmation of fraud, plagiarism, copyright infringement, abusive practices, misleading of the consumer regarding the characteristics, promises, or results of the offer, bad faith conduct, or any other similar irregular conduct is identified.

Finally, Mundpay may proceed with a refund when there is non-delivery, non-availability, or non-compliance by the Producer with the shipping or access conditions for the purchased product, inconsistent with the offer made.

CHARGEBACKS

Mundpay, as a payment intermediary and participant in the payment arrangement ecosystem, adopts risk management mechanisms, fraud prevention, loss mitigation, and protection of the financial integrity of operations processed on its platform.

In this context, it reserves the right to retain funds from Transactions carried out by the Seller for up to 120 (one hundred and twenty) days, by establishing an initial financial reserve of 20% (twenty percent) on the transacted amount, intended to cover chargebacks, disputes, reversals, cancellations, and related occurrences.

The retention percentage may be revised and increased, including retroactively, up to 100% (one hundred percent) of the transacted amounts, whenever disproportionate increases in chargeback rates, atypical spikes in disputes, abrupt changes in transaction volume, or any elements indicating an increase in operational, financial, or reputational risk are identified.

The adoption of a retroactive reserve is intended to safeguard operational sustainability, the stability of the payment arrangement, and the capacity to cover contingent liabilities, with the release period for any potential increase analyzed on a case-by-case basis, in light of subsequent transactional behavior, the decline in dispute rates, and the quality of processed sales.

The retention period may also be extended when there are ongoing judicial, administrative, or arbitral proceedings related to the Transactions, lasting until the final resolution of the disputes, including final judgment, in order to allow for a comprehensive assessment of liabilities and costs incurred. In such cases, the retained funds may be used to offset losses, judgments, settlements, court costs, attorney's fees, and costs awarded against Mundpay.

When evidence of suspicious, fraudulent, or highly likely future chargeback-generating transactions is found — especially when there is a risk that the rate may exceed 1% (one percent) of the processed Transactions — Mundpay may, preventively, cancel sales, initiate reversals or refunds directly to Buyers, with the aim of mitigating systemic damage and avoiding the formal filing of disputes with issuers and card networks.

Likewise, if transaction data linked to the seller is found in fraud databases shared by payment network participants, card networks, or anti-fraud systems, Mundpay may immediately reverse the amounts, debiting the respective Virtual Account of the User.

Once the chargeback is formally reported by the payment arrangement founders, issuers, acquirers, sub-acquirers, card networks, or other participants in the settlement chain, the full amount corresponding to the disputed Transaction will be immediately debited from the Seller's Virtual Account, regardless of prior notice, as a necessary measure to restore the financial balance of the system and provide provisional coverage of the liability created by the dispute.

The seller may be granted, at Mundpay's sole discretion and always in accordance with the operational regulations of the payment arrangements and deadlines imposed by card networks and issuers, the right to submit an administrative defense within 10 (ten) calendar days from notification of the dispute, by sending complete, reliable, and verifiable documentation capable of demonstrating the regularity, legitimacy, and actual occurrence of the Transaction.

For the purpose of documenting the defense, the following evidence may be required, individually or cumulatively, depending on the nature of the product or service commercialized:

• Proof of product delivery or service availability, including Delivery Confirmation, signed delivery receipt, record of receipt by an authorized third party, or electronic access/download confirmation;

• Logistical proof, with a valid tracking code, movement history, delivery date, and recipient identification, where applicable;

• Electronic records of purchase acceptance, authentication, or validation, such as IP logs, Transaction date and time, geolocation, device fingerprint, email confirmation, two-factor authentication, or equivalent mechanisms;

• Evidence of the Buyer's active participation in the contracting, including completed forms, recordings, authenticated checkouts, acceptance terms, electronic contracts, or unequivocal consent confirmations;

• Copies of communications held with the Buyer, such as emails, support tickets, conversations on customer service platforms, or messages demonstrating awareness of the purchase, use of the product, or a prior attempt to resolve the dispute;

• Proof of access, consumption, or enjoyment of the digital product, where applicable, including login reports, usage time, material downloads, class viewing, or use of features;

• Commercial policies in effect at the time of sale, especially refund policies, terms of use, and warranties offered;

• Any other additional documents or evidence requested by Mundpay or payment arrangement participants, necessary for the adequate documentation of the dispute process.

Failure to submit documentation within the stipulated period, incomplete submission, or presentation of elements deemed insufficient by the arrangement founders will result in forfeiture of the right to administrative defense and definitive confirmation of the chargeback, with the debit made to the Seller's Virtual Account remaining.

It should be noted that the analysis and decision regarding the reversal or maintenance of the dispute rests exclusively with the issuers, card networks, and payment arrangement founders, with Mundpay having no influence over the final decision, acting only as an intermediary in providing the information and documents submitted.

Failure to timely submit the requested documents, or an unfavorable decision by the issuer, acquirer, or card network, will result in definitive confirmation of the chargeback, with the debit remaining. If the balance is insufficient, Mundpay may take collection measures, offset future credits, and adopt other applicable judicial and extrajudicial measures.

The Producer undertakes to maintain adequate after-sales support and relationships with consumers as a dispute mitigation measure, and is aware that Mundpay continuously monitors chargeback rates by product and by account.

The platform may, without prior consent, conduct dispute proceedings with operators and card networks, using available data. If high rates are identified, the User may be warned through official channels and, if the risk scenario persists, graduated measures may be applied, including balance blocking, withdrawal suspension, or account blocking.

For operational and risk management purposes, a chargeback rate below 1% (one percent) of the total transactions settled within the preceding 30 (thirty) days shall be deemed acceptable, calculated by dividing the number of disputes received by the total volume of sales in the same period.

If this threshold is exceeded, Mundpay may, at its sole discretion, adopt preventive and corrective measures, including the full or partial withholding of funds in the User’s Account for a period of up to 120 (one hundred twenty) days, in order to cover potential liabilities, without prejudice to the application of contractual penalties, including a proportional fine for each occurrence exceeding the established threshold, as well as any other applicable administrative or legal measures.

Without prejudice, the identification of conduct violating applicable legislation, consumer protection standards, or provisions of these Terms — especially when related to misleading offers, non-delivery of products, or links to fraudulent environments — may result in the preventive blocking of the Account, with full retention of funds until the facts are thoroughly investigated.

Such measure is intended to protect the integrity of the payment arrangement, the financial health of the operation, the reputation of the platform, and, above all, the rights of consumers and third parties potentially harmed, pursuant to applicable legislation.

Upon implementation of the block, the User will be notified through registered channels, with the investigation conducted within a reasonable period, which may reach up to 120 (one hundred and twenty) business days, at the end of which there will be formal communication regarding the decision and any release of remaining balance.

In the event of contract termination, fund withdrawal, or account closure, Mundpay may exercise the right of recourse to recover losses incurred as a result of chargebacks, fraud, judgments, or damages caused by the Producer or Co-producer to third parties or to the platform itself.

Finally, Mundpay may apply a pre-chargeback mechanism, which, in conjunction with its payment partners and acquirers, may also be operationally treated as a preventive refund. This measure is based on alerts issued by partners and is intended to protect Sellers’ businesses and the integrity of transactions processed on the Platform.

Upon identification of a risk alert, Mundpay may automatically issue a refund to the end customer prior to the formal initiation of a chargeback, in order to mitigate financial losses, avoid penalties, and preserve the Seller’s operational performance metrics.

ACCOUNT SUSPENSION, BLOCKING, AND DELETION

Penalties applicable as a result of misuse of the Mundpay Platform, violation of these Terms of Use, related Policies, applicable legislation, or assumed contractual duties include suspension, blocking, and deletion of the User's Account and/or products linked thereto. Such measures may be adopted preventively or definitively, individually or cumulatively, at Mundpay's sole discretion, whenever conduct representing operational, financial, regulatory, reputational, or legal risk to the Platform, its users, or third parties is identified, with the opportunity for defense and regularization being guaranteed when applicable.

Examples of grounds for imposing penalties include the linking or commercialization of products classified as restricted activities; the violation or attempted violation of security systems; registration inconsistencies or falsehoods; spam or abusive advertising practices; self-purchases through affiliate links; misuse of intellectual property; chargeback rates exceeding market parameters; fraud suspicions; repeated complaints; lack of buyer support; non-fulfillment of offers; as well as any conduct that may compromise the integrity, credibility, or regular operation of Mundpay, even if not expressly provided for.

Measures may be applied with or without prior notification when urgency or the need for risk mitigation so requires, and shall not give rise to any right to compensation.

The removal of products or closure of accounts prevents new transactions, and previous purchases may be refunded. Chargeback requests may be submitted up to 365 (three hundred and sixty-five) days from the purchase, which means debits may arise even after account closure.

Upon notification of a chargeback, Mundpay will immediately debit the disputed amount from the User's account and may grant a period of 10 (ten) calendar days for the submission of a defense, by sending documentation proving the regularity of the transaction, including proof of delivery or service provision, buyer participation, logistical proof, requested documentation, and evidence of an attempted amicable resolution.

Failure to submit documentation, or an unfavorable decision by the payment arrangement, will result in definitive confirmation of the chargeback. If the balance is insufficient, Mundpay may pursue administrative or judicial collection, without prejudice to other applicable measures.

Suspension

Suspension is a preventive and temporary measure, applied when there are indications of irregularities subject to investigation, correction, or clarification. In such cases, Mundpay may limit the User's access to the Platform, suspend checkout links, sales pages, offers, operational features, and financial transfers, as well as prevent registration changes and new transactions.

In cases of suspected fraud, suspension may be applied preventively for up to 120 (one hundred and twenty) business days, or for the entire period necessary for internal investigation. Such period may be extended when there are judicial, police, or administrative investigations, or whenever the complexity of the case so requires.

During the suspension, additional risk mitigation measures may be adopted, including retention of funds from suspicious sales, with the aim of protecting consumers, acquirers, payment arrangements, and Mundpay itself.

Blocking

Blocking constitutes a more severe measure, applicable when there is evidence of an infraction, concrete risk of damage, or material breach of contractual obligations. It may affect specific products or the entire account, implying automatic cancellation of advertisements and offers, interruption of payment processing, prevention of new sales, and blocking of existing and future balances.

MundPay shall block and retain funds arising from suspicious transactions for the period necessary to conduct the investigation, subject to an initial limit of up to 120 (one hundred and twenty) business days, without prejudice to any extension required to cover chargebacks, disputes, acquirer fines, refunds, or losses incurred.

Furthermore, the blocking shall be automatically triggered once the chargeback rate exceeds the threshold of 3%.

If acquirers, processors, or financial institutions order blocks, reversals, or holds, Mundpay will fully comply with such orders, disclaiming any liability for resulting damages.

When evidence of a material increase in the chargeback rate is found — especially when it exceeds market parameters or when there is a high future risk — Mundpay may, as a preventive measure, cancel sales, interrupt settlements, and proceed with buyer refunds, with the aim of avoiding systemic losses to the payment arrangement.

If the taxpayer identification number linked to the Platform account — through which transactions are carried out — is, at any time, found to be irregular, including but not limited to inactive, suspended, blocked, or otherwise unable to enable fund transfers, issuance of tax documents, or compliance with legal obligations, Mundpay may, at its sole discretion, temporarily block the funds held in the User’s account.

Such funds shall remain withheld until proper regularization of the tax and registration status is duly evidenced.

Deletion

Deletion implies the definitive closure of the account and contractual relationship, which may occur on motivated grounds, especially in cases of confirmed fraud, repeat violations, serious breach of these Terms, material damage to the Platform or to third parties, legal orders, or conduct affecting the reputation and security of the Mundpay ecosystem.

Upon confirmed fraud, the account may be blocked and deleted regardless of prior notice, and Mundpay may retain available and future funds for the purpose of reimbursing damages caused to third parties, consumers, acquirers, or the company itself.

Upon recognition of a violation subject to deletion, Mundpay will present a formal communication containing the justification for the measure adopted, subject to confidentiality and legal duties. A period for presenting a defense will be provided, to be defined at the time of notification, taking into account the complexity of the case. After the User's response, Mundpay will issue a final decision within a previously informed period, counted from the conclusion of the proceedings.

Upon completion of deletion or early termination of the contractual relationship, Mundpay may debit from the User's account any amounts necessary to settle damages caused by them to third parties or to the Platform itself. Closure will imply definitive access blocking, prohibition of new accounts, and prevention from conducting transactions under any modality.

Complaint and Internal Investigation

Mundpay may initiate investigation proceedings upon complaints from users, third parties, or on its own initiative, regardless of external provocation. If the complaint is not accompanied by minimum elements of materiality, it may be summarily filed.

If considered plausible, Mundpay may adopt preliminary measures, including preventive blocking of products or accounts, notifying the respondent to present their version of the facts, evidence, and clarifications, as well as a declaration acknowledging the complaint and accepting responsibility for any damages resulting from the continuation of activities.

When the dispute involves a conflict between users, Mundpay may initiate a mediation process, seeking a consensual solution. If settlement is not possible, it may, at its discretion and without obligation, issue an administrative decision to resolve the conflict.

Investigations may be initiated at any time, and their results may be shared with competent authorities when required or when Mundpay deems necessary to protect its own rights or those of third parties.

FEES

The User acknowledges and agrees that any fees, charges, and other costs applied by Mundpay as a result of the use of the Platform — including, but not limited to, withdrawals, transaction processing, and related services — may, at any time, be reviewed, adjusted, introduced, or discontinued at Mundpay’s sole discretion, whenever such measures are deemed necessary to maintain economic-operational balance, business sustainability, or the continuity of the Platform’s activities.

The User further acknowledges that the fees applicable to transactions may vary due to foreign exchange fluctuations, based on objective criteria previously defined and made available by Mundpay, including, without limitation, reference indices, foreign exchange providers, and widely recognized market benchmarks.

Continued use of the Platform following the implementation of any changes to fees, charges, or applicable criteria shall be deemed as the User’s full and tacit acceptance of such new conditions.

Minimum Withdrawal Threshold

Withdrawals on the Platform are subject to minimum thresholds established by Mundpay, intended to ensure operational feasibility, efficiency in financial processing, and proper management of transaction-related costs.

For accounts operating exclusively within Brazilian territory, the minimum withdrawal amount shall be determined in local currency (Brazilian Real – BRL), applicable to transactions carried out in Brazil. For accounts or operations linked to foreign jurisdictions, the minimum withdrawal amount shall be determined in foreign currency (United States Dollar – USD), applicable to transactions carried out both domestically and internationally, whenever financial settlement occurs or is requested in foreign currency.

The applicable amounts shall be clearly disclosed within the User’s dashboard under the “Finance → Fees” section.

Mundpay reserves the right to review, amend, or update the minimum withdrawal thresholds at any time, upon prior notice to Users through its official communication channels, whenever such action is necessary to maintain the operational, financial, or regulatory balance of the Platform.

MUNDPAY'S LIABILITY EXCLUSIONS AND LIMITATIONS

Nature of Services

The services, features, information, content, systems, software, materials, and other resources made available by Mundpay through the Platform are provided strictly under the terms of these Terms of Use, characterized as obligations of means, with no guarantee of result, performance, operational continuity, commercial success, profitability, liquidity, financial gain, or suitability for any specific purpose intended by the User.

Mundpay does not guarantee that the Platform will be available without interruption, free from errors, technical failures, vulnerabilities, or interruptions, nor that the information made available therein will be complete, up-to-date, or free from inaccuracies, except in cases expressly provided for by applicable legislation.

Absence of Warranties

To the maximum extent permitted by applicable law, Mundpay does not provide warranties of any kind, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a specific purpose, compatibility with other systems, absolute security, data accuracy, absence of viruses, malicious code, or other potentially harmful components.

The User acknowledges and agrees that use of the Platform occurs at their sole responsibility, fully assuming the risks arising from its use, including those related to commercial, financial, operational, or strategic decisions.

Limitation of Scope of Activity

Mundpay operates exclusively as a provider of technological infrastructure and operational and financial intermediation, and does not create, develop, edit, control, endorse, offer, sell, or guarantee any products, services, content, offers, promises, statements, or results made available by Users, commercial partners, or third parties through the Platform.

The products, services, content, offers, and information made available by Users are their sole and exclusive responsibility, including as to their legality, truthfulness, lawfulness, quality, purpose, regulatory compliance, and compliance with consumer, tax, regulatory, copyright, and personal data protection standards.

Exclusion of Liability

Except in cases of objective or mandatory liability provided for by law, Mundpay is not responsible for damages of any nature, direct or indirect, patrimonial or non-patrimonial, including, without limitation, lost profits, loss of chance, moral damages, consequential damages, data loss, interruption of economic activities, or losses arising from the use or impossibility of using the Platform.

Mundpay shall not be responsible, by way of example, for damages arising from:

• The inadequacy, quality, quantity, defects, flaws, risks, or harmfulness of products or services offered by Users;

• False, incomplete, inaccurate, or misleading information provided by Users;

• Non-compliance with legal or contractual obligations assumed between Users;

• Deadlines, delivery methods, exchanges, returns, losses, or cancellations of products or services;

• Reversals, refunds, chargebacks, refusals, blocks, or transaction reversals resulting from payment arrangement rules, financial institutions, card networks, issuers, acquirers, or competent authorities;

• Technical failures, unavailability, interruptions, cyberattacks, viruses, connectivity failures, power outages, or third-party systems;

• Misuse of the Platform by third parties, including cases of fraud, unauthorized access, social engineering, or credential breaches;

• Content, services, information, or materials made available in third-party digital environments;

• Ancillary services provided by third parties, including currency conversion, settlement, withdrawals, transfers, value custody, logistics, tax document issuance, or other related services.

Third-Party Services

The Platform may contain integrations, links, or access to third-party services, which are not part of the scope of services provided by Mundpay and are subject to their own terms, policies, and conditions. Mundpay is not responsible for the availability, security, legality, operation, accuracy, or suitability of such services, nor for damages arising from their use.

No Promise of Results

Mundpay does not promise, guarantee, or ensure any financial result, commercial performance, profitability, economic gain, or specific benefit arising from the use of the Platform. Users are prohibited from promising, disclosing, or advertising guaranteed results, certain gains, or unattainable benefits, including those related to income, investments, health, wellness, or professional performance.

Regulatory Compliance Policies and Sanctions

In compliance with national and international standards for the prevention of money laundering, terrorist financing, economic sanctions, fraud prevention, and other illegal activities, Mundpay may, at its sole discretion and without prior notice, restrict, suspend, or terminate User access to the Platform, including due to geographic location, risk profile, or legal or regulatory orders, without any right to compensation.

Limitation of Indemnifiable Amount

In the event of Mundpay's liability, this shall be limited exclusively to direct material damages provably caused, with indirect damages, lost profits, and non-patrimonial damages being expressly excluded, and shall not, under any circumstances, exceed the total amount effectively paid by the User to Mundpay in the 12 (twelve) months prior to the event giving rise to the damage.

User Acknowledgment

The User acknowledges that the liability exclusion and limitation provisions set forth in these Terms are reasonable, proportionate, and essential for the availability of the Platform and Mundpay's services, having been considered in the formation of the contractual relationship.

SUPPORT CHANNELS AND HOURS

For questions, complaints, or suggestions, the User may contact Mundpay Support at the email: contato@mundpay.com, Monday through Friday, from 9:00 AM to 6:00 PM.

FINAL PROVISIONS

The User is prohibited from assigning, transferring, or in any way disposing of, in whole or in part, the rights and obligations arising from these Terms of Use, without the prior express authorization of Mundpay.

Right of Recourse and Indemnification of Mundpay

By accepting these Terms of Use, the User undertakes to hold Mundpay fully harmless and to indemnify it for any damages, losses, or expenses, of a patrimonial or non-patrimonial nature, arising from actions or omissions attributable to them, including those related to the products, services, content, or operations offered or carried out through the Platform.

The obligation to indemnify includes, without limitation, expenses with taxes, charges, fines, interest, administrative costs, legal expenses, judicial or extrajudicial settlements, attorney's fees and expert fees, as well as any third-party claims not arising from a proven failure of the Mundpay Platform.

The User also undertakes to hold harmless and to indemnify, under the same terms, the partners, controllers, subsidiaries, or affiliates of Mundpay, as well as its officers, directors, managers, employees, agents, collaborators, representatives, and attorneys-in-fact, in relation to any claims, demands, or losses related to the User's conduct.

Any eventual tolerance by either Party regarding non-compliance, in whole or in part, with obligations assumed by the other Party shall not constitute novation, waiver, or contractual amendment, and shall be considered a mere act of liberality. Such tolerance shall not prevent the tolerating Party from demanding, at any time, full compliance with the obligations set forth in these Terms or in applicable legislation.

In the event that judicial or extrajudicial measures need to be adopted to resolve any disputes, the obligation to indemnify shall cover, without limitation, expenses with taxes, charges, fines, interest, administrative costs, judicial or extrajudicial proceedings, settlements, attorney's fees and expert fees, as well as any claims, demands, or losses incurred by Mundpay, as well as any third-party claims not arising from a proven failure of the Mundpay Platform.

Consensual Resolution of Disputes

The Parties undertake to make their best efforts to amicably and consensually resolve any disputes, doubts, or conflicts arising from these Terms of Use or the use of the Platform, prioritizing dialogue and good faith before resorting to judicial or arbitral measures, as applicable.

Jurisdiction

The Parties elect the courts of the Comarca of Rio de Janeiro, State of Rio de Janeiro, as the sole competent forum to resolve any disputes arising from these Terms of Use, expressly waiving any other, however privileged.

Applicable Law

These Terms of Use and the legal relationship established between the User and Mundpay Pagamentos Internacionais Ltda. shall be governed and interpreted in accordance with the laws of the Federative Republic of Brazil, expressly excluding the application of the United Nations Convention on Contracts for the International Sale of Goods (Vienna Convention).

Dispute Resolution

Disputes arising from or related to these Terms, the Services provided, the operations processed, their execution, interpretation, validity, termination, or eventual breach — hereinafter collectively referred to as "Disputes" — when related to operations conducted in U.S. territory or services provided by MundP Tech OÜ, Mundpay USA LLC, or Mundpay LLC, shall be finally resolved through individual, binding, and mandatory arbitration, pursuant to the Federal Arbitration Act (FAA).

Arbitration shall constitute the exclusive forum for dispute resolution, with submission to class actions, representative actions, or consolidated proceedings being expressly waived, as well as the right to a jury trial, to the maximum extent permitted by applicable law. This arbitration agreement shall survive termination, end of commercial relationship, or discontinuation of the Services.

The arbitral proceedings shall be conducted in accordance with the rules of the American Arbitration Association (AAA), especially its Consumer Arbitration Rules in effect at the time of commencement, with the adaptations set forth in this instrument. The interested party shall submit a formal arbitration demand to the AAA, notifying the opposing party pursuant to applicable regulations.

Unless otherwise agreed by the parties, hearings shall be held in the county or jurisdiction of the User's/Seller's residence, with the arbitrator having exclusive authority to decide on interpretation, applicability, enforceability, and scope of this arbitration clause, as well as on the merits of the Dispute.

Costs, administrative fees, and arbitral fees shall follow the AAA rules. Each party shall bear its own attorney's fees, unless otherwise determined by the arbitrator or applicable law. If the User's claim is successful, costs and fees may be reimbursed in accordance with the law. If the claim is deemed unfounded or frivolous, the arbitrator may assign financial responsibility to the claiming party, as permitted by institutional rules.

The arbitrator may grant declaratory or injunctive relief exclusively on an individual basis, limited to the extent necessary to remedy the requesting party. Public, collective, or erga omnes measures shall, where applicable, be submitted to the competent judiciary, remaining suspended until the final decision of the individual arbitration.

An express waiver to participate in class actions is established, with the parties acting only in their individual capacity. The arbitrator shall not have authority to consolidate claims, join parties, or conduct collective proceedings. If such waiver is deemed unenforceable by a competent authority, the entirety of this arbitration resolution clause may be declared null and void, with the remaining contractual provisions remaining valid.

For purposes of applicable substantive law, this Agreement — with respect to international operations and services provided by MundP Tech OÜ, Mundpay USA LLC, or Mundpay LLC — shall be governed and interpreted in accordance with the laws of the State of Delaware (USA), without regard to conflicts of law, together with the Federal Arbitration Act with respect to arbitration.

The choice of arbitration does not preclude, as a strict exception:

• Filing claims before Small Claims Courts, when the applicable legal requirements are met;

• Seeking preliminary injunctions or urgent relief before the judiciary for the protection of intellectual property rights, trade secrets, data, technology, or prevention of imminent harm, without such measure constituting a waiver of arbitration on the merits.

Right to Opt Out of Arbitration

Notwithstanding the mandatory arbitration provided for in this section, the User/Seller may exercise the right to opt out of this arbitration agreement, in which case Disputes shall no longer be subject to mandatory arbitral proceedings, with the remaining contractual provisions, however, remaining valid and enforceable.

To validly exercise the opt-out, the User/Seller must send a formal written notice to Mundpay LLC within the non-extendable period of up to 30 (thirty) calendar days from: (i) account creation; or (ii) initial acceptance of these Terms — whichever occurs last.

The notice must contain, at a minimum:

• Full name or corporate name;

• Registered address;

• Email linked to the Account;

• Account identifier or Merchant ID;

• Express declaration of refusal of the mandatory arbitration clause.

The notice must be sent to the contractual channel indicated in the Terms or to the legal address of Mundpay LLC, with communications allowing proof of delivery being considered valid.

Failure to exercise the opt-out right within the stipulated period will be interpreted as full, irrevocable, and irreversible acceptance of mandatory arbitration, including the waiver of class actions and the right to a jury trial, to the maximum extent permitted by applicable law.

The exercise of the opt-out shall not affect access to or continuity of the Services, nor shall it imply discriminatory treatment, subject to the possibility that certain features, products, or commercial conditions dependent on specific arbitral structures may no longer be offered, as permitted by law.