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End User Terms

END-CUSTOMER AGREEMENT

This End-Customer Agreement (“Agreement”) contains the terms and conditions for
your use of services that we may provide to you and that involve accessing third
party account information (“Services”). Hereinafter “you” “your” means the
End-Customer and “us” “we” or “our” refers to Apt Pay Inc. (“AptPay”) and its
service providers including Flinks Technology Inc. (“Flinks”) and any provider
of a Data Source that is made available from time to time through the Services.
“Data Source” means a single repository of (for example, the Internet, a server
or a document, as applicable) from which information can be extracted by Flinks.

Provide Accurate Information. You represent and agree that all information you
provide to us in connection with the Services is accurate, current, and
complete. You agree not to misrepresent your identity or account information.
You agree to keep account information secure, up to date and accurate. You
represent that you are a legal owner, or an authorized user, of the accounts at
third party sites which you include or access through the Services, and that you
have the authority to (i) designate us and our service providers as your agent,
(ii) use the Services, and (iii) give us and our service providers the
passwords, usernames, and all other information you provide.

Content You Provide. Your use of the Services is your authorization for us or
our service providers, as your agent, to access third party sites which you
designate in order to retrieve information. You are licensing to us and our
service providers any information, data, passwords, usernames, PINs, personal
information or other content you provide through the Services. You authorize us
or our service providers to use any information, data, passwords, usernames,
PINs, personal information or other content you provide through the Services or
that we or our service providers retrieve on your behalf for purposes of
providing the Services, to offer products and services, and for other
permissible business purposes. Except as otherwise provided herein, we or our
service providers may store, use, change, or display such information or create
new content using such information. The data that we obtain from Data Sources
does not represent and official record of your account with any relevant
financial institution.

Authority to Access Information. Unless and until this Agreement is terminated,
you grant us and our service providers the right to access information at
third-party sites on your behalf. Third-party sites shall be entitled to rely on
the authorizations granted by you or through your account. For all purposes
hereof, you hereby grant us and our service providers the right to access
third-party sites to retrieve information, use such information, as described
herein, with the full power and authority to do and perform each and every act
and thing required and necessary to be done in connection with such activities,
as fully to all intents and purposes as you might or could do in person. Upon
notice to us, you may (i) revoke our right to access information at third party
sites on your behalf, or (ii) subject to Section 7 herein, request deletion of
information collected from third party sites. You understand and agree that the
Services are not sponsored or endorsed by any third-party site. YOU ACKNOWLEDGE
AND AGREE THAT WHEN WE OR OUR SERVICE PROVIDERS ACCESS AND RETRIEVE INFORMATION
FROM THIRD-PARTY SITES, WE ARE ACTING AT YOUR REQUEST AND WITH YOUR PERMISSION
AND AUTHORIZATION, AND NOT ON BEHALF OF THE THIRD-PARTY SITES. If AptPay, Flinks
or an entity that provides you with access to the Services ceases doing business
or this Agreement is terminated, AptPay and Flinks will delete of your
information and data in their possession subject to Section 7.

Third Party Accounts. With respect to any third-party sites we may enable you to
access through the Services or with respect to any non-financial institution
accounts you include in the Services, you agree to the following:

You are responsible for all fees charged by the third party in connection with
any non-financial institution accounts and transactions. You agree to comply
with the terms and conditions of those accounts and agree that this Agreement
does not amend any of those terms and conditions. If you have a dispute or
question about any transaction on a non-financial Institution account, you agree
to direct these to the account provider.

Any links to third party sites that we may provide are for your convenience
only, and we and our service providers do not sponsor or endorse those sites.
Any third-party services, which you may be able to access through the Services,
are services of the listed institutions. Neither we nor our service providers
have no responsibility for any transactions and inquiries you initiate at third
party sites. The third-party sites you select are solely responsible for their
services to you. We nor our service providers are not liable for any damages or
costs of any type arising out of or in any way connected with your use of the
services of those third parties.

Limitations of Services. When using the Services, you may encounter technical or
other difficulties. Neither we nor our service providers are responsible for any
technical or other difficulties or any resulting damages that you may incur. Any
information displayed or provided as part of the Services is for informational
purposes only, does not represent an official record of your account, may not
reflect your most recent transactions, and should not be relied on for
transactional purposes. We and our service providers reserve the right to
change, suspend or discontinue any or all of the Services at any time without
prior notice. In the event that Services are discontinued, your information
shall be retained in accordance with this Agreement and our privacy policies.

Acceptance of Agreement and Changes. Your use of the Services constitutes your
acceptance of this Agreement. This Agreement is subject to change from time to
time. We will notify you of any material change via e-mail or on our website by
providing a link to the revised Agreement. Your continued use will indicate your
acceptance of the revised Agreement. The licenses, user obligations, and
authorizations described herein are ongoing.

Aggregated Data. Anonymous, aggregate information, comprising financial account
balances, other financial account data, or other available data that is
collected through your use of the Services, may be used by us and our service
providers to conduct certain analytical research, performance tracking and
benchmarking. Our service providers may publish summary or aggregate results
relating to metrics comprised of research data, from time to time, and
distribute or license such anonymous, aggregated research data for any purpose,
including but not limited to, helping to improve products and services and
assisting in troubleshooting and technical support. Your personally identifiable
information will not be shared with or sold to third parties.

Ownership. You agree that we and our service providers, as applicable, retain
all ownership and proprietary rights in the Services, associated content,
technology, mobile applications and websites.

End-Customer Conduct. You agree not to use the Services or the content or
information delivered through the Services in any way that would: (a) be
fraudulent or involve the sale of counterfeit or stolen items, including but not
limited to use of the Services to impersonate another person or entity; (b)
violate any law, statute, ordinance or regulation (including without limitation
those governing export control, consumer protection, unfair competition,
anti-discrimination or false advertising); (c) create liability for us or our
service providers or cause us to lose the services of our service providers; (d)
access the information and content programmatically by macro or other automated
means; or (e) use the Services in such a manner as to gain unauthorized entry or
access to computer systems.

Indemnification. You agree to defend, indemnify and hold us harmless, our third
party service providers and their officers, directors, employees and agents from
and against any and all third party claims, liabilities, damages, losses or
expenses, including settlement amounts and reasonable attorneys' fees and costs,
arising out of or in any way connected with your access to or use of the
Services, your violation of these terms or your infringement, or infringement by
any other user of your account, of any intellectual property or other right of
anyone.

Disclaimer. The Services are not intended to provide legal, tax or financial
advice. The Services, or certain portions and/or functionalities thereof, are
provided as strictly educational in nature and are provided with the
understanding that neither we nor our third-party providers are engaged in
rendering accounting, investment, tax, legal, or other professional services. If
legal or other professional advice including financial, is required, the
services of a competent professional person should be sought. We and our
third-party providers specifically disclaim any liability, loss, or risk which
is incurred as consequence, directly or indirectly, of the use and application
of any of the content on this site. Further, we and our third-party providers
are not responsible for any credit, insurance, employment or investment
decisions or any damages or other losses resulting from decisions that arise in
any way from the use of the Services or any materials or information accessible
through it. Past performance does not guarantee future results. We and our
third-party providers do not warrant that the Services comply with the
requirements of the FINRA or those of any other organization anywhere in the
world.

DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION
AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON
AN "AS IS" AND "AS AVAILABLE" BASIS. WE, AND OUR SERVICE PROVIDERS, DISCLAIM ALL
WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR
IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE, AND
OUR SERVICE PROVIDERS, MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR
REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii)
THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE,
(iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL
OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, OR (v) ANY
ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED
OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN
DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR
COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL.
WE, ON BEHALF OF OURSELVES AND ALL THIRD PARTY DATA PROVIDERS, EXPRESSLY
DISCLAIM ANY TYPE OF REPRESENTATION OR WARRANTY REGARDING THE AVAILABILITY OR
RESPONSE TIME OF THE SERVICES OR CONTENT OR INFORMATION OBTAINED THROUGH THE
SERVICES OR THAT SUCH ACCESS WILL BE UNINTERRUPTED OR ERROR-FREE AND, EXCEPT AS
EXPRESSLY PROVIDED FOR HEREIN, EXPRESSLY DISCLAIM THE ACCURACY, COMPLETENESS AND
CURRENCY OF ALL INFORMATION COLLECTED ON YOUR BEHALF. NO ADVICE OR INFORMATION,
WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR OUR SERVICE PROVIDERS
THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN
THESE TERMS.

LIMITATION OF LIABILITY. YOU AGREE THAT WE AND OUR THIRD PARTY SERVICE PROVIDERS
WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL
OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS,
GOODWILL, USE, DATA OR OTHER LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE
THE SERVICES AT OUR WEBSITE/MOBILE APPLICATION OR OF ANY THIRD PARTY ACCOUNT
PROVIDER’S WEBSITE/MOBILE APPLICATION; (ii) THE COST OF GETTING SUBSTITUTE GOODS
AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR
OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE
SERVICES, (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSION OR
DATA, (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICES, (vi) THE USE,
INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD
PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF
THE POSSIBILITY OF SUCH DAMAGES, OR (vii) ANY OTHER MATTER RELATING TO THE
SERVICES. IN THE EVENT THAT WE ARE FOUND LIABLE FOR ANY DAMAGES, THE DAMAGES
SHALL NOT EXCEED $100.

WAIVER OF JURY TRIAL AND CLASS ACTION. You agree that, with respect to any
dispute with us or our service providers, arising out of or relating to your use
of the Services or these terms: (i) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL
BY JURY; and (ii) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS ANY REPRESENTATIVE
CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT
INVOLVING SUCH DISPUTE.

Export Restrictions. You acknowledge that the Services and any software
underlying such Services are subject to the U.S. Export Administration
Regulations (15 CFR, Chapter VII) and Canadian export laws and that you will
comply with these laws and regulations. You will not export or re-export the
software or Services, directly or indirectly, to: (1) any countries that are
subject to U.S. or Canadian export restrictions; (2) any end-customer who has
been prohibited from participating in U.S. or Canadian export transactions by
any federal agency of the U.S. government or the Canadian government; or (3) any
end-customer who you know or have reason to know will utilize them in the
design, development or production of nuclear, chemical or biological weapons.
You further acknowledge that the Services may include technical data subject to
export and re-export restrictions imposed by Canadian and U.S. laws

Other Terms. You may not assign this Agreement. A determination that any
provision of this Agreement is unenforceable or invalid shall not render any
other provision of this Agreement unenforceable or invalid.





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