Yuansfer Inc, DBA Pockyt(“Pockyt”, “we” or “us”) invites you (“you” or “Payee”) to access our pay portal (the “Pay Portal”) and the services we provide through the Pay Portal, including without limitation, payment services (collectively with the Pay Portal, the “Services”). These Terms of Service state the terms and conditions under which you can use the Services. Please read these Terms of Service carefully. By clicking “I ACCEPT,” or using the Services you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy, which is hereby incorporated by reference (collectively, this Agreement”).The Agreement may be updated by us from time to time without notice to you. In any event, you will be required to affirmatively accept any revised Terms of Service prior to next logging-in to your Pay Portal account.



We reserve the right, at our sole discretion, to modify, discontinue, or terminate the availability of the Pay Portal and/or the Services, or to modify the Agreement, at any time and without prior notice. If we modify the Agreement, we will post the modification on the Pay Portal. By continuing to access or use the Pay Portal and/or the Services after we have posted a modification on the Pay Portal or have provided you with notice of a modification, you are indicating that you agree to be bound by the modified Agreement.

1. General

2. Services and Account Registration

3. Electronic Communication and Personal Data

4. Intellectual Property

5. Force Majeure

We put reasonable efforts to ensure that the Services is always accessible to you. However, the availability of the Services may be affected by factors, which we cannot control, such as bandwidth problems, equipment failure, acts and omissions of third-parties, or force majeure events, including, but not limited to: strikes; work stoppages; accidents; acts of war or terrorism; civil or military disturbances; nuclear or natural catastrophes and interruptions; shortage of supply, breakdowns, loss or malfunctions of utilities and communications or computer (software and hardware) services. We take no responsibility for the unavailability of the Services caused by such factors.

6. Disclaimer of Warranties

7. Limitation of Liability

8. Indemnification

You agree to indemnify, defend and hold us, our subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service, your use of the Services, or your violation of any law or the rights of a third party, including without limitation, intellectual property rights.

9. External Sites

The Payment Portal may contain links to third-party websites and through our Services you may access links to third-party sites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites. We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked External Sites, you do so at your own risk.

10. Compliance With Applicable Laws

The Payment Portal and the Services are based in the United States. We make no claims concerning whether the Pay Portal may be viewed or be appropriate for use outside of the United States. If you access the Pay Portal or the Services from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

11. Severability

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such a provision shall nonetheless be enforceable to the fullest extent permitted by the applicable law, and the unenforceable portion shall be deemed to be severed from these Terms. The validity and enforceability of the remaining provisions shall not be affected as a result.

12. Governing Law and Dispute

13. Protection of Account Information

Pockyt will maintain administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of Account information. Those safeguards will include, but will not be limited to, measures for preventing access, use, modification or disclosure of Account information by Pockyt personnel except: (a) to provide the Services and to prevent or address service or technical problems, or (b) as Payee expressly permits in writing.

14. Binding Arbitration

In the event of a dispute arising under or relating to this Agreement or the App or any other products or services provided by us (each, a “Dispute”), such dispute will be finally and exclusively resolved by binding arbitration governed by the Federal Arbitration Act (“FAA”). NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN SUCH COURT’S JURISDICTION. ARBITRATION IS DIFFERENT FROM COURT, AND
DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. All disputes will be resolved before a neutral arbitrator, whose decision will be final except for a limited right of appeal under the FAA. The arbitration shall be commenced and conducted by the Judicial Arbitration and Mediation Services (“JAMS”) pursuant to its then current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website http://www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative and arbitrator fees in accordance with JAMS rules. Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside. The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate or enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Dispute immediately after commencement of the arbitration. Nothing in this Agreement will prevent Pockyt from seeking injunctive relief in any court of competent jurisdiction as necessary to protect Pockyt’s proprietary interests.

15. Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

16. Miscellaneous

17. General Agreement

If any of these Terms of Service is found to be inconsistent with applicable law, then such term shall be interpreted to reflect the intentions of the parties, and no other terms will be modified. Pockyt’s failure to enforce any of these Terms of Service is not a waiver of such term. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms of Service.

18. Contact Information

For inquiries or complaints regarding Pockyt Services, its Terms of Service, please contact Pockyt at 28 Liberty St, 6th Fl, New York, NY 10005, or at support@Pockyt.io.



Yuansfer Inc, DBA Pockyt (“Yuansfer”, “we” or “us”) requires all payees (“you” or “Payee”) that are both
(1) not United States citizens, and (2) not resident in the United States to complete, sign, and return form W-8BEN: Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals) to Pockyt before receiving payment.

The W-8BEN form is used to establish that you are a foreign person, and, if eligible, able to claim a reduced rate or exemption from income tax withholding as a resident of a foreign country, potentially through a reciprocal tax treaty between the United States and your country of residence. If you are (1) a United States citizen, or (2) a non-United States citizen who is resident in the United States and have a legal right to work in the United States, and believe that you received a W-8BEN form in error, please contact Pockyt by email at application@pockyt.io or by phone at 855.982.6888.

The W-8BEN form contains three parts and can be obtained at https://www.irs.gov/forms-pubs/about- form-w-8-ben. Please refer to the instructions below for assistance in completing the W-8BEN form

NOTE: The instructions below describe general protocol for completing the W-8BEN form. The instructions are provided as a courtesy to assist you in completing the W-8BEN form and do not constitute tax and/or legal advice. You must direct any specific or case-dependent inquiries to a certified tax professional practicing in your country of residence. By accepting the terms of the Agreement and completing the W- 8BEN form, you acknowledge that you are responsible for providing correct and complete information, and accept all legal responsibility for providing incorrect information. Full instructions provided by the United States Internal Revenue Service (“IRS”) can be found at https://www.irs.gov/forms-pubs/about- form-w-8-ben

Please upload this form in the “Documents” section in your Pockyt Payee Portal.

Part 1: Identification of Beneficial Owner

Part 2: Claim of Tax Treaty Benefits

Part 3: Certification