OFFER

Agreement for the execution of money transfers

This document is an official offer (public offer) of Kanberry PTY Ltd (hereinafter referred to as the COMPANY) to individuals to conclude an Agreement for the implementation of money transfers using an electronic means of payment (hereinafter referred to as EMP) and contains the procedure and conditions for the implementation of money transfer operations on behalf of individuals without opening bank accounts, and other material terms and conditions.

The current version of this Agreement is always available on the mir2world.online website, and it is obligatory to offer it to the Customer for familiarisation before accepting the terms and conditions of the Agreement.

Terms and Definitions:

COMPANY — PAYRON LTD, location address: Interchange House, 1st Floor 81-85 Station Road, Croydon, London, England, CR0 2RD

Client (Payer) — a person who presents money to COMPANY using his/her bank account or without using a bank account, and who has acceded to the terms and conditions of the offer.

System — a hardware and software complex provided by the COMPANY for the purpose of providing Money Transfer services, as well as related services, including services for informing Customers about transactions, etc. Website of the System: mir2world.online

Payment menu — Client’s access to the System services for making Transfers on the System website.

Beneficiary — a person receiving the Customer’s funds subject to the restrictions set forth in this Agreement.

Order — the Payer’s instruction to the COMPANY to make a Transfer, transmitted using the ESP or the System.

Electronic means of payment (EMP) — a means and (or) method allowing the Customer to certify (by means of unique digital requisites — number and code uniquely identifying the Customer) do cuments in electronic form for the purpose of making a Transfer using the System.

Transfer — COMPANY’s actions within the framework of the applicable forms of non-cash settlements to provide the Payee with the Customer’s funds, including, inter alia, actions related to information and technological interaction between the parties to the Transfer.

Erroneous transfer — a transfer of funds whose obligations cannot be fulfilled by the COMPANY due to circumstances beyond the control of the COMPANY (e.g. the Client has entered incorrect details, etc.).

Identification — a special procedure for the Client to provide COMPANY with the data required by Russian Federation legislation (Federal Law «On Combating the Legalisation (Laundering) of Proceeds of Crime and the Financing of Terrorism» dated 07.08.2001 No. 115-FZ; Federal Law «On the National Payment System» dated 27.06.2011 No. 161-FZ, etc.). Upon completion of the Identification procedure, the Customer is assigned the status of identified. The Payer, who has not passed the Identification procedure, has the status of unidentified.

Tariffs — a list of types and amounts of remuneration to COMPANY for making Transfers, information-technological interaction when making a Transfer, other operations, including additional services. Tariffs are published on the System’s Website: mir2world.online. Remuneration is charged from the Transfer amount, as a result of which the recipient will get the Transfer amount minus the remuneration. The Client, by accepting the offer, agrees with such order of charging.

1. General provisions

1.1. The conclusion of this Agreement shall be by way of accession. Any actions of individuals aimed at registration in the COMPANY’s accounting system shall be recognised as an acceptance of the Offer and shall be sufficient to recognise the Contract as concluded on the terms and conditions set out in the Offer.

1.2. The terms and conditions of the Agreement shall apply to natural persons who have reached the age of majority and have the necessary legal capacity and legal capacity, as well as all rights and powers necessary and sufficient to enter into and perform this Agreement in accordance with its terms and conditions.

1.3. The Client, accepting the terms and conditions of this Offer confirms that he is familiarised with the cases of increased risk of using electronic means of payment, including, but not excluding:

• with the risk of financial loss;
• with the risk of duplicating a technical device;
• with the risk of changing messages;
• with the risk of loss (theft) of password access codes;
• with the risk of denial of operations;
• with the risk of conflict situations outside the COMPANY’s control;
• with the risk of debiting the ESP in case of transferring access codes and passwords to another person;
• with the risk of the ESP being used by third parties without the Client’s authorisation;
• with the risk of interception of information by third parties in communication channels during their use about access codes and passwords, information about the Customer, information about performed transactions, information about payment recipients, as well as other information about the Customer.

1.4. The COMPANY undertakes to keep information about Transfers and personal data confidential, if provided by Clients. If it is necessary to transfer such information to third parties in favor of whom the Client makes a Transfer, the parties acknowledge that such consent has been obtained.

1.5. The Client warrants that he/she understands all the terms and conditions of this Agreement and accepts them unconditionally and in full.

1.6. The Customer guarantees that he/she will not use the EMP for unlawful purposes, as well as for purposes other than those specified in this Agreement.

1.7. The Client confirms that he/she has no beneficiaries, is his/her own beneficial owner and acts only in his/her personal interests.

1.8. The time of execution of all transactions using the EMP is GMT+3 time, determined on the basis of data from the COMPANY’s server processing information on orders, unless another procedure for determining the time has been agreed upon additionally.

2. Subject of the Contract

2.1. The subject of this Agreement is the use of the Electronic Means of Payment (EMP) for making Transfers.

The Contract provides information on:

— about the company,
— on the amount and procedure for the COMPANY to collect remuneration from an individual if remuneration is charged;
— how to file a claim and how to handle it, including information for contacting the COMPANY.

2.2. Acceptance (acceptance) of this public offer is the Client’s consent to its terms and conditions, expressed by him on the System website.

2.3. Settlements with the Client shall be made in roubles.

2.3.1. In the event that funds are received in a foreign currency for the purpose of making a Transfer, the COMPANY shall, if possible, convert the funds into roubles at the COMPANY’s internal exchange rate on the day the funds are received by the COMPANY.

2.4. Tariffs posted on the System’s website are integral parts of this Offer.

3. Conditions and procedure for the use of EMP

3.1. The Customer, who has passed the identification procedure, may use the EMP to Transfer funds in favour of the Payees, provided that the total amount of transferred funds does not exceed the amount specified in clause 4.3. of the Agreement.

3.2. COMPANY shall have the right to set additional transaction limits.

3.3. Terms of use of the personalised EMP by the verified Client:

3.3.1 In order to register the Client in the COMPANY’s accounting system, the Client must provide the following true information about himself/herself:

— Surname, first name and patronymic (unless otherwise provided by law or national custom),

— passport series and number,

— mobile phone number.

3.3.2 The transfer of funds for replenishment of the EMP shall be made by the following methods:

— by means of non-cash transfer of funds from your bank account or bank card account.

3.3.3 The Customer using EMP Type 2 may perform the following operations:

— Transfer of funds to the bank account of an individual, or bank card account of an EMP holder,

— Transfers of funds in favour of individuals registered outside the territory of the Russian Federation and/or the Republic of Kazakhstan, provided that such individuals have bank accounts in the territory of the Russian Federation and/or the Republic of Kazakhstan,

— Transfers of funds in favour of individuals.

3.3.4 The Customer using the EMP is not entitled to:

— to receive the balance of the funds in cash,

— transfer funds to participate in lotteries and drawings.

3.4. The COMPANY may charge a fee to the Client upon the provision of funds by the Client. The availability and rate of remuneration may depend on the manner of such provision. The COMPANY’s remuneration under this clause shall be set in accordance with the Tariffs.

3.5. The disbursement of funds shall result in COMPANY crediting funds to the EMP account specified by the Client upon such disbursement in an amount corresponding to the amount of funds disbursed less COMPANY’s remuneration (if any).

3.6. The unconditionality of the Transfer of Funds shall come into effect at the moment of fulfilment of the conditions of the Transfer defined by the Customer and (or) the recipient of funds or other persons.

3.7. Transfers in foreign currency between residents, transfers in foreign currency and rouble and tenge currency between residents and non-residents, as well as transfers in foreign currency and rouble and tenge currency between non-residents are subject to the requirements of the currency legislation of the Russian Federation, acts of currency regulation authorities and acts of currency control authorities.

4. Procedure and conditions for effecting Transfers

4.1. The order to make a Transfer of Funds shall be made on the System’s website.

4.2. To submit an Order, the Customer shall independently fill in the electronic forms provided on the Website. The Order is confirmed by entering the payment password in the corresponding field of the electronic form.

4.3. The maximum amount of one Transfer within the Russian Federation and between the Russian Federation and CIS countries is 600,000 roubles for identified users and 40 000 roubles for unidentified users.

4.4. Maximum amount of Transfers per day for identified users:

— within Russia — no restrictions;

— outside the Russian Federation — not more than USD 5,000 per day, foreign citizens (not citizens of the Russian Federation and CIS) are not subject to this restriction.

4.5. The transfer is carried out to the extent of all funds transferred by the Client to the COMPANY. If necessary, several EMPs may be used to make a transfer.

4.6. The Customer is fully responsible for the accuracy of the information stated in the Transfer Order, about:

— The Recipient of the Transfer in favour of whom the Transfer is made,

— payment details identifying the purpose of the Transfer, such as: the Payee’s subscriber telephone number, the Payee’s full name, the date and number of other document that is the basis for the Transfer;

— the amount of the Transfer;

— other details, depending on what information is to be provided at the time of the Transfer).

4.7. In case of unreliability of the indicated information, the COMPANY shall not be liable for improper fulfilment of the Payer’s obligations to the Payee.

4.8. If the Customer is charged a commission fee for the Transfer, the amount of the commission fee shall be indicated in the electronic forms submitted to the Payer for completion.

4.9. The Payer has the right to apply to the COMPANY in writing for the return of an erroneous Transfer.

4.10. In case of returning an erroneous Transfer at the Payer’s request, the commission fee as well as the amount of costs incurred by the COMPANY in returning the funds and transferring them in non-cash form to the Payer’s account shall not be refunded.

5. Rights and obligations of the Client

5.1. The Customer shall be obliged to familiarise himself/herself with the terms and conditions of this Agreement, as well as with amendments and supplements thereto, introduced in a timely and in full, in accordance with the procedure set out in Section 10 of the Agreement.

5.2. The Customer confirms that he/she is not limited in capacity, is not under guardianship, trusteeship or patronage, can independently exercise and protect his/her rights and fulfil his/her obligations due to his/her health condition, and does not suffer from any diseases that prevent him/her from realising the essence of this Agreement and the circumstances of its conclusion.

5.3. The Customer is obliged to independently take all necessary measures to maintain confidentiality, prevent unauthorised use and protect access to his payment menu from unauthorised access by third parties.

5.4. The Customer is obliged to independently ensure anti-virus security of the device used to access the payment menu.

5.5. The Client is obliged to comply with the laws of the Russian Federation, the rights and legitimate interests of the COMPANY and third parties when using the EMP. Not to carry out transactions related to business activities.

5.6. The Customer is obliged to use the EMP only in person. The Customer may not inform or otherwise transfer access to the payment menu to third parties.

5.7. The Customer may not use programs and apply other measures to conceal the technical characteristics of the Internet connection for accessing the payment menu.

5.8. The Client may not perform any action that has the purpose or effect of disrupting the normal functioning of COMPANY equipment and software.

5.9. The Customer may not use the EMP for the purpose of committing fraud. If such operation(s) are detected, the COMPANY shall immediately block the Client’s access to Transfers.

5.10. The Customer, upon entering into this Agreement, shall:

— provide reliable information for contacting him/her and sending him/her notifications on transactions with the use of the EMP. The Customer shall be responsible for ensuring that the said data is always true,

— must choose how to receive notifications from COMPANY about Transfers using the EMP.

5.11. By default, the proper way to inform the Customer about Transfers using the EMP is to send a notification to the e-mail address provided by the Customer during registration.

5.12. Receive notifications on the Transfers using the EMP in the procedure provided by this Agreement.

5.13. Submit claims and other applications to COMPANY in the manner and cases provided for in this Contract.

5.14. Unilaterally withdraw from this Agreement if the Client has no debt to the COMPANY.

5.15. The Client is obliged to inform COMPANY in a timely manner of any changes in personal data, details and data of documents presented for identification, data for sending notifications.

5.16. The Client shall provide COMPANY with the information and documents required in the performance of this Agreement.

5.17. The Client gives COMPANY consent to the processing of any personal data provided by the Client, either personally or through a third party, in any manner for the purposes of the performance of this Agreement. This consent shall be valid for the duration of this Agreement and may be withdrawn by the Client by unilateral cancellation of this Agreement.

In the event that the Client provides COMPANY with third party personal data in the performance of this Agreement, the Client guarantees the legality of its receipt and the consent of the subjects of such personal data to its provision, and assumes responsibility for the lawfulness and validity of such data.

6. Rights and obligations of the COMPANY

6.1. The COMPANY shall ensure that the text of this Agreement, as well as other reference and information materials relating to the subject matter of this Agreement, are posted on the System’s website.

6.2. COMPANY shall have the right to amend this Contract in the manner set forth in Section 10 of the Contract.

6.3. COMPANY is obliged to ensure the confidentiality of any information received from the Client in the performance of this Agreement.

6.4. When conducting Transfers by the COMPANY, the COMPANY shall be guided by the applicable laws of the Russian Federation, regulatory documents of the Bank of Russia and internal documents.

6.5. The COMPANY undertakes to ensure information security of the system and databases stored in the system in accordance with the requirements of the current legislation of the Russian Federation.

6.6. The COMPANY shall notify the Client of the fees charged on the relevant screens prior to the Client carrying out Transfers.

6.7. The COMPANY shall have the right to block the Customer’s EMP in the following cases:

— on the initiative of authorised state bodies,

— at the initiative of the Client,

— on your own initiative.

6.8. At the initiative of authorised state bodies, blocking of EMPs shall be carried out in cases and in accordance with the procedure established by federal laws of the Russian Federation.

6.9. At the Client’s initiative, the EMP shall be blocked at any time on the basis of a notice received from the Client and sent to COMPANY by any available means.

6.10. At the COMPANY’s initiative, the EMP is blocked in the following cases:

6.10.1. if there are suspicions that the Customer has violated the procedure for using the EMP established by this Agreement,

6.10.2. in case of suspicion of unauthorised access to the Customer’s EMP,

6.10.3. in the event that doubtful transactions are identified, in accordance with the COMPANY’s Internal Control Rules for Combating Money Laundering and Terrorist Financing, developed on the basis of Russian Federation legislation,

6.10.4. if fraudulent behaviour is detected or suspected.

6.11. The blocking of the EMP shall result in the COMPANY stopping the execution of the Transfers.

6.12. In case of blocking of the EMP on the initiative of the COMPANY, the following deadlines are established depending on the grounds:

6.12.1. until the Client eliminates any violations of the procedure for using the EMP committed by the Client,

6.12.2. until the moment of full confidence in the absence of unauthorised access to the EMP,

6.12.3. until the Client provides explanations and documents on transactions with EMP in accordance with the requirements of anti-money laundering and anti-terrorism financing legislation of the Russian Federation.

6.13. The COMPANY shall ensure that the Client is notified of the execution of each Transfer.

6.14. The obligation to inform the Customer about the execution of Transfers shall be deemed fulfilled at the moment of sending the relevant notice. The notice shall be deemed received by the Customer within one hour from the moment of sending.

6.15. COMPANY has the right to:

6.16. refuse to carry out transactions if the Customer is not verified,

6.17. refuse to execute the Transfer in case of detection of an error made by the Customer when specifying payment details, failure to provide or provision of an incomplete set of documents (details) required for the transaction, as well as in case of contradiction of the transaction with the legislation of the Russian Federation and the terms of this Agreement,

6.18. not to execute Client’s orders received by COMPANY for which documents necessary to record information required by anti-money laundering and anti-terrorist financing legislation have not been submitted until the Client has provided the requested documents,

6.19. request from the Client additional information and documents on cash transactions, including those confirming the source of origin of funds, the basis of transactions, as well as information and documents allowing to identify beneficiaries and representatives, in accordance with the legislation of the Russian Federation,

6.20. request from the Customer documents and other information necessary for currency control in accordance with the legislation of the Russian Federation,

6.21. unilaterally set and change (increase, decrease) restrictions (limits) on making Transfers,

6.22. process in any manner for the purpose of fulfilment of the Agreement any personal data of the Customer provided by the Customer personally or through third parties upon conclusion or during the validity of the Agreement.

6.23. To engage third parties in fulfilment of the obligations under this Agreement, whereby COMPANY shall be liable to the Client for the performance by third parties of the obligations assumed by them under the concluded agreements.

6.24. The COMPANY shall have the right to unilaterally withdraw from this Agreement by sending the Client a relevant notice by any of the methods provided for in this Agreement. In this case, this Agreement shall be deemed cancelled upon expiry of 10 (Ten) calendar days after sending the relevant notice.

7. Identification of the Client

7.1. Identification of the Customer shall be carried out:

7.1.1. at the Customer’s voluntary request,

7.1.2. when identification is mandatory in accordance with the requirements of the legislation of the Russian Federation on combating legalisation (laundering) of proceeds of crime and terrorism financing,

7.1.3. when COMPANY fulfils other requirements of anti-money laundering and anti-terrorist financing legislation,

7.1.4. when the lack of identification of the Client makes it impossible for COMPANY to fulfil its obligations to the Client,

7.1.5. in case of detection or suspicion that the Customer has committed fraudulent actions when using EMP.

7.2. Identification shall be carried out when making transactions with the use of payment (bank) card details — on the basis of payment (bank) card details, as well as codes and passwords.

7.3. The list of data obtained from the Client during his/her identification is determined in accordance with the legislation of the Russian Federation.

7.4. To be identified, the Customer shall apply to the e-mail address [email protected] and submit the necessary documents.

8. Responsibilities of the Parties

8.1. In case of non-fulfilment and/or improper fulfilment of their obligations under this Agreement, the Parties shall be liable in accordance with the terms of this Agreement and the current legislation of the Russian Federation.

8.2. If the Client refuses all the proposed methods of sending notifications of transactions using the EMP, the Client shall be deemed not to have duly provided information for communication with the Client, and the COMPANY shall be deemed to have fulfilled its obligations to inform the Client of the performed transactions at the moment of confirmation of a transaction with the EMP. In such a case, the Client shall not be entitled to make any claims against the COMPANY related to improper informing of the Client about transactions.

8.3. COMPANY shall not be liable for the Client’s lack of access to the means by which the Client can receive notification or for the Client’s failure to receive notification in a timely manner, including failures of the Internet or communication networks, which occur for reasons beyond COMPANY’s control and which result in the Client’s late receipt or non-receipt of COMPANY’s notifications.

8.4. The COMPANY shall not be liable for any losses incurred by the Client due to the fact that the Client has not familiarised himself/herself and/or has not familiarised himself/herself in a timely manner with the terms and conditions of this Agreement and/or amendments and additions made to the Agreement in accordance with the established procedure.

8.5. COMPANY is not responsible for:

8.5.1. for cases of technical failures (power failure/damage to power supply and communication networks, software failures of the processing center and technical failures in payment systems) resulting in the COMPANY’s failure to fulfil the terms and conditions of the Agreement,

8.5.2. if the information on transactions with the use of the EMP, Customer’s data becomes known to other persons as a result of the Customer’s breach of the terms and conditions of this Agreement or other cases of the Customer’s failure to comply with the terms and conditions of storage and use of codes and passwords,

8.5.3. for the losses incurred by the Customer as a result of blocking the EMP,

8.5.4. for the losses of the Customer and/or third parties as a result of impossibility to perform transactions with EMP regardless of the grounds for such impossibility,

8.5.5. for losses incurred as a result of incorrect filling in of Transaction Orders,

8.5.6. for losses incurred as a result of issuing erroneous orders for crediting and/or debiting funds from the EMP,

8.5.7 for losses incurred as a result of the Client depositing funds which cannot be credited due to exceeding the maximum EMP amount,

8.5.8. for losses incurred as a result of the Customer providing unreliable identification data,

8.5.9. for losses incurred as a result of the Customer’s failure to update the data for sending notifications and/or identification data.

8.6. The Client is responsible for any actions of third parties performed on behalf of the Client through the use of his/her EMP.

8.7. The Parties shall be released from property liability for non-performance or improper performance of obligations under this Agreement if it is caused by force majeure, i.e. extraordinary and unavoidable circumstances, including natural phenomena, military actions, acts of authorities. In the event of force majeure circumstances, a Party must inform the other Party in writing within 3 (three) working days of its inability to fulfil its obligations. The COMPANY shall publish such information on the website.

9. Procedure for consideration of claims and applications of Clients

9.1. The Client shall be entitled to send COMPANY any notices, requests, applications, complaints and claims against COMPANY, whether or not provided for in this Agreement.

9.2. The COMPANY accepts only Customer enquiries made in the Russian language.

9.3. All disputes and disagreements that have arisen or may arise out of this Agreement on the Customer’s initiative shall be resolved in accordance with the pre-trial claim procedure. If the dispute is not resolved within sixty (60) working days of receipt of the Client’s claim, either Party shall have the right to seek resolution of the dispute in a court of law at COMPANY’s location.

9.4. For the purposes of this Agreement, a claim is understood to be a request made by the Client (or his/her representative who has presented duly executed authorisation to represent the Client’s interests in relations with the COMPANY) to the COMPANY, the subject of which is a claim of a civil law nature made by the Client against the COMPANY in connection with what the Client considers to be the non-performance (improper performance) by the COMPANY of its obligations to the Client arising from this Agreement.

9.5. After receiving a written application, including a claim, from the Client, the COMPANY shall, within 30 (thirty) calendar days (or 60 (sixty) calendar days in case the EMP is used for cross- border Transfer of Funds) from the date of receipt of applications, review the application and notify the Client of the results of its review.

9.6. A response to the Customer’s application (including a Claim) shall be sent to the Customer in one of the following ways, at COMPANY’s discretion:
— to the Customer’s e-mail address provided at the time of registration and/or indicated by the Customer in any written application previously received by COMPANY;

— by sending an SMS message to the telephone number provided at registration and/or indicated by him/her in any written application previously received by the COMPANY;

— to the postal address specified by the Client in any application previously received by COMPANY.

9.7. In the event of a decision to fully satisfy the claim, the COMPANY shall be entitled to take the relevant actions without sending the Client a reply on the satisfaction of the claim.

10. Procedure for making amendments and additions to this Offer.

10.1. The Customer agrees that the COMPANY may unilaterally amend or supplement this Agreement and the Tariffs at any time without further written notice to the Customer.

Such changes or amendments shall take effect 10 (Ten) calendar days after the date of publication of the new version of the said changes on the website.

10.2. If one or more of the provisions of this Agreement are or become invalid due to changes in the current legislation of the Russian Federation, this shall not constitute grounds for suspension

of the validity of the remaining provisions of this Agreement. Invalid provisions shall be replaced by legally permissible provisions close in meaning to those being replaced.

Annex 1

Transfer Details,
to be provided by the Client at the time of formation of the Transfer.

1) Basic Verification Level.

For a Transfer, if the maximum amount of the Transfer made by the Client does not exceed the amount of 40,000 rubles, the Client provides the Organization with an Order, which includes the following Transfer details:

a. Client card details,

b. Full name of the Client,

c. Recipient’s card details,

d. Transfer amount in the transfer currency,

2) Maximum Verification Level

For a Transfer, if the maximum amount of the Transfer made by the Client exceeds the amount o f the Basic Verification Level transfer, but does not exceed 600,000 rubles, the Client provides the Organization with the following Transfer details:

a. Full name of the Client;

b. Details of the Client’s passport or an identity document replacing it:

— series and document number,

— date of issue of the document,

— name of the authority that issued the document;

c. A scanned copy of the Client’s passport + photograph of the Client with a passport, or a substitute identification document

d. Place of permanent and (or) temporary residence of the Client;

e. Citizenship of the Client;

f. Phone number for SMS verification;

g. Client Card Number;

h. Validity period of the Client Card;

i. Transfer amount;

j. Transfer Currency;

k. Recipient’s Card Number;

l. Full name of the Recipient,

m. Details of the Recipient’s passport or a document replacing it:

— series and document number,

— date of issue of the document,

— name of the authority that issued the document;
n. Recipient’s state.