No part of this Pitchdeck, the @Pay Whitepaper or the @Pay website should be considered as business, legal, financial or tax advice regarding @Pay, the @Pay Tokens, the IEO, pre-sale or the IEO or pre-sale process or any of the matters to which all or any part of any information provided in this Pitchdeck, the @Pay Whitepaper or the @Pay website relates to. 

You should consult your own legal, financial, tax or another professional advisor regarding @Pay, the @Pay Tokens, the IEO, the pre-sale or the IEO or pre-sale process or any of the matters to which all or any part of any information provided in this Pitchdeck, the @Pay Whitepaper or the @Pay website relates to. You should be aware that you are required to bear the financial risk of any purchase of @Pay Tokens for an indefinite period.

To the maximum extent permitted by applicable law, you hereby irrevocably and unconditionally waive: (i) all and any claims (whether actual or contingent and whether as an employee, office holder or in any other capacity whatsoever or howsoever arising) including, without limitation, claims for or relating to the excluded liability matters, any payment or repayment of monies, indemnity or otherwise that you may have against @Pay or against any of @Pay’s representatives; and (ii) release and discharge @Pay and all of @Pay’s representatives from any and all liability (of whatsoever nature or howsoever arising) it or they may have to you. If for any reason you hereafter bring or commence any action or legal proceeding in respect of any claim purported to be released and discharged pursuant to this paragraph or this disclaimer, or otherwise attempt to pursue any such claim against @Pay or any @Pay representative then you hereby irrevocably and unconditionally undertake to indemnify, and keep indemnified @Pay and all of @Pay’s representatives fully on demand from and against: (a) all liabilities or losses suffered by @Pay or any @Pay representative; and (b) all reasonable costs, charges and reasonable expenses (including without limitation reasonable legal costs and expenses) reasonably and properly incurred by @Pay or any @Pay representative, in each case by reason of or in connection with the bringing or commencement of such action or pursuit of such claim by you. 

If any provision or part-provision of this disclaimer section is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this disclaimer shall not affect the validity and enforceability of the rest of this disclaimer.

All statements contained in this Pitchdeck, the @Pay Whitepaper, the @Pay website, statements made in any press releases or in any place accessible by the public and oral statements that may be made by @Pay or any @Pay representatives (as the case may be), that are not statements of historical fact, constitute “forward-looking statements”. Some of these statements can be identified by forward-looking terms such as “aim”, “target”, “anticipate”, “believe”, “could”, “estimate”, “expect”, “if”, “intend”, “may”, “plan”, “possible”, “probable”, “project”, “should”, “would”, “will” or other similar terms. However, these terms are not the exclusive means of identifying forward-looking statements. All statements regarding @Pay’s financial position, business strategies, marketing strategies, plans and prospects and the prospects of the industry which @Pay is in are forward-looking statements. These forward-looking statements, including but not limited to statements as to @Pay’s revenue profitability and growth, expected revenue profitability and growth, prospects, future, other expected industry trends and other matters discussed in this Pitchdeck, the @Pay Whitepaper and the @Pay website regarding @Pay are matters that are not historical facts, but only estimations and predictions. @Pay makes no representation or warranty on having made any predictions or estimates or expectations based on any formula, any mathematical or scientific modelling or forecast, or having made any due and proper inquiries or having undertaken any independent research or studies or otherwise. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual future results, performance or achievements of @Pay to be materially different from any future results, performance or achievements expected, expressed or implied by such forward-looking statements.

These factors include, among others: 

• (a) changes in political, social, economic, financial and stock or cryptocurrency market conditions, and the regulatory environment in the countries in which @Pay conducts its business and operations; 
• (b) the risk that @Pay may be unable to execute or implement its business strategies and future; 
•  (c) changes in interest rates and exchange rates of fiat currencies and all forms of cryptocurrencies; 
• (d) changes in the anticipated growth strategies and expected internal growth of @Pay; 
• (e) changes in Government and other regulatory bodies regulations and compliance requirements in the Buy Now Pay Later sector which @Pay would have to adhere to or the cryptocurrency sector generally; 
• (f) changes in the availability and fees payable to @Pay in connection with its business and operations; 
• (g) changes in the availability and salaries of employees who are required by @Pay to operate its business and operations; 
• (h) changes in preferences of customers of @Pay; 
• (i) changes in competitive conditions under which @Pay operates, and the ability of @Pay to compete under such conditions; 
• (j) changes in the future capital needs of @Pay and the availability of financing and capital to fund such needs; 
• (k) war or acts of international or domestic terrorism; 
• (l) occurrences of catastrophic events, natural disasters and acts of God that affect the businesses and/or operations of @Pay; 
• (m) other factors beyond the exclusive control of @Pay; and 
• (n) any risk and uncertainties associated with @Pay and its business and operations, the @Pay Tokens, the IEO or pre-sale and reliance on all or any part of this Pitchdeck, the @Pay Whitepaper and/or the @Pay website. 

All forward-looking statements made by or attributable to @Pay or @Pay representatives are expressly qualified in their entirety by such factors. Given that risks and uncertainties that may cause the actual future results, performance or achievements of @Pay to be materially different from that expected, expressed or implied by the forward-looking statements in the Pitchdeck, the @Pay Whitepaper or the @Pay website, undue reliance must not be placed on these statements. These forward-looking statements are applicable only as of the later of the date of publication of the Pitchdeck, the @Pay Whitepaper and the latest date that the @Pay website has been updated. Neither @Pay nor the @Pay representatives nor any other person represents, warrants and/or undertakes that the actual future results, performance or achievements of @Pay will be as discussed in those forward-looking statements. 

The actual results, performance or achievements of @Pay may differ materially from that anticipated in these forward-looking statements. Nothing contained in the Pitchdeck, the @Pay Whitepaper is or may be relied upon as a promise, representation or undertaking as to the future performance or policies of @Pay. Further, @Pay disclaims any responsibility to update any of these forward-looking statements or publicly announce any revisions to these forward-looking statements to reflect future developments, events or circumstances, even if new information becomes available or other events occur in the future.

@Pay does not make or purport to make, and hereby disclaims, any representation, warranty or undertaking in any form whatsoever to any entity or person, including any representation, warranty or undertaking in relation to the truth, accuracy, and completeness of any of the information set out in this Pitchdeck, the @Pay Whitepaper and/or the @Pay website.

REPRESENTATIONS AND WARRANTIES BY YOU BY HOWSOEVER ACCESSING AND/OR ACCEPTING POSSESSION OR COMMUNICATION OF ALL OR ANY PART OF THE AVAILABLE INFORMATION, YOU REPRESENT AND WARRANT (AND SHALL BE DEEMED TO REPRESENT AND WARRANT) TO @PAY ON THE DATE OF SUCH ACCESS OR ON THE LATEST DATE ON WHICH YOU RETAIN POSSESSION OF ALL OR ANY PART OF THIS PITCHDECK, THE @PAY WHITEPAPER OR THE @PAY WEBSITE INFORMATION AS FOLLOWS:

• (a) you are over 18 (eighteen) years of age; 
• (b) you agree and acknowledge that the @Pay Tokens do not constitute securities in any form in any jurisdiction; 
• (c) you agree and acknowledge that this Pitchdeck, the @Pay Whitepaper and the @Pay website do not constitute a prospectus, information memorandum, product disclosure statement or offer document of any sort and are not intended to constitute an offer of securities in any jurisdiction or a solicitation for investment in securities and you are not bound to enter into any contract or binding legal commitment and no cryptocurrency or another form of payment is to be accepted on the basis of this Pitchdeck, the @Pay Whitepaper or the @Pay website; 
• (d) you agree and acknowledge that no regulatory authority has examined or approved of this Pitchdeck, the @Pay Whitepaper or the information on the @Pay website, no action has been or will be taken under the laws, regulatory requirements or rules of any jurisdiction and the publication, distribution or dissemination of all or any part of this Pitchdeck, the @Pay Whitepaper to you does not imply that the applicable laws, regulatory requirements or rules have been complied with; 
• (e) you agree and acknowledge that this Pitchdeck, the @Pay Whitepaper, the @Pay website, the undertaking of the IEO, pre-sale or future trading of the @Pay Tokens on any exchange or market (regulated, unregulated, primary, secondary or otherwise), shall not be construed, interpreted or deemed by you as an indication of the merits of @Pay, the @Pay Tokens, the IEO or pre-sale, this Pitchdeck, the @Pay Whitepaper or the @Pay website; 
• (f) the distribution or dissemination of this Pitchdeck, the @Pay Whitepaper and/or the @Pay website any part thereof or any copy thereof, or acceptance of the same by you, is not prohibited or restricted by the applicable laws, regulations or rules in your jurisdiction, and where any restrictions in relation to possession are applicable, you have observed and complied with all such restrictions at your own expense and without liability to @Pay; 
• (g) you agree and acknowledge that in the case where you wish to take part in the IEO or pre-sale and purchase any @Pay Tokens, the @Pay Tokens are not to be construed, interpreted, classified or treated as: 
• (i) any kind of currency, commodity or financial product; 
• (ii) debentures, stocks or shares issued by any person or entity (whether @Pay or otherwise); 
• (iii) rights, options or derivatives in respect of such debentures, stocks or shares; 
• (iv) rights under a contract for differences or under any other contract the purpose or pretended purpose of which is to secure a profit or avoid a loss; 
• (v) units in a collective investment scheme or a managed investment scheme;
  (vi) units in a business trust;
  (vii) derivatives of units in a business trust; 
• (viii) any other security or class of securities; or 
• (ix) any type of investment (as such term is defined by the Corporations Act 2001 of Australia or the Australian Securities and Investments Commission Act 2001 of Australia (as amended or re-enacted from time to time) or as such term might be construed under similar legislation in any other part of the World); 
• (h) you are fully aware of and understand that you are not eligible to take part in the IEO or pre-sale and purchase any @Pay Tokens or access this Pitchdeck, the @Pay Whitepaper or the @Pay website if you are a citizen, national, resident (tax or otherwise) and/or visa holder of a restricted jurisdiction or if you are a restricted person; 
• (i) you have a basic degree of understanding of the operation, functionality, usage, storage, transmission mechanisms and other material characteristics of cryptocurrencies, blockchain-based software systems, cryptocurrency wallets or other related token storage mechanisms, blockchain technology, and smart contract technology;

• (j) you are fully aware and understand that in the case where you wish to purchase any @Pay Tokens, there are risks associated with: 

  • (A) @Pay and its business and operations;

  • (B) the IEO or pre-sale;

  • (C) the @Pay Tokens;

  • (D) the purchase of @Pay Tokens; and

  • (E) relying or acting on all or any part of the information in this Pitchdeck, the @Pay Whitepaper or the @Pay website; 

• (k) you agree and acknowledge that @Pay is not liable for any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or otherwise (including but not limited to loss of revenue, income or profits, or loss of use or data, or loss of reputation, or loss of any economic or other opportunity of whatsoever nature or howsoever arising), arising out of or in connection with any acceptance of or reliance on any part of the information in the Pitchdeck, the @Pay Whitepaper and/or the @Pay website; 

• (l) you agree and acknowledge that any failure by @Pay to complete the vision outlined in this Whitepaper for any reason does not entitle holders of @Pay Tokens to a refund; and

• (l) all of the above representations and warranties are true, complete, accurate and not misleading from the time of your last access to and/or possession of (as the case may be) this Pitchdeck (or any future version of the Pitchdeck) the @Pay Whitepaper (or any future version of the @Pay Whitepaper) or the @Pay website. 

You should carefully consider and evaluate each of the following risk factors and all other information contained in this Pitchdeck, the @Pay Whitepaper and/or the @Pay website before deciding to take part in the IEO or pre-sale and purchase @Pay Tokens. To the best of @Pay’s knowledge and belief, all risk factors, which are material to you in making an informed judgment to participate in the IEO or pre-sale, have been set out below. If any of the following considerations, uncertainties or material risks develop into actual events, the business, financial position and/or results of operations of @Pay and the maintenance and level of usage of the @Pay Tokens could be materially and adversely affected. 

Regulatory actions could negatively impact the @Pay Tokens and @Pay’s offering in various ways, including, for example, through a determination that the @Pay Tokens are regulated financial instruments required to be registered with the appropriate regulatory agency or the Buy Now Pay Later sector becomes subject to further compliance as a result of government and/or other regulatory body laws, rulings and/or actions which @Pay would have to comply with.  Any of these outcomes could prevent @Pay from fully developing the @Pay Tokens, the @Pay platform, other tokens and other offered products and services. 

Further, a regulator could take action against @Pay if it views the @Pay Tokens and the @Pay platform as a violation of existing law. Any of these outcomes would negatively affect the utility of the @Pay Tokens and/or could cause @Pay to cease operations. 

Prior to the IEO or pre-sale, there has been no public market for @Pay Tokens. Although @Pay may use reasonable endeavours to seek the approval for the availability of the @Pay Tokens for trading on a cryptocurrency or digital exchange or market, there is no assurance that such approval will be obtained. Furthermore, even if such approval is granted by a cryptocurrency or digital exchange, there is no assurance that an active or liquid trading market for the @Pay Tokens will develop, or if developed, will be sustained after the @Pay Tokens have been made available for trading on such market. There is also no assurance that the market price of the @Pay Tokens will not decline below the original or issue purchase price (the “Issue Price”). The Issue Price may not be indicative of the market price of the @Pay Tokens after they have been made available for trading on a market. An @Pay Token is not a currency issued by any central bank, commercial, retail or investment bank or other financial institution or national, supra-national or quasi-national organisation, nor is it backed by any hard assets or other credit nor is it a commodity in the traditional sense of that word. 

@Pay is not responsible for, nor does it pursue, the circulation and trading of @Pay Tokens on any market. Trading of @Pay Tokens will merely depend on the consensus on its value between the relevant market participants. No one is obliged to take part in the IEO, pre-sale or purchase any @Pay Tokens from any holder of the @Pay Tokens, including the purchasers, nor does anyone guarantee the liquidity or market price of @Pay Tokens to any extent at any time. 

Furthermore, @Pay Tokens may not be resold to purchasers who are citizens, nationals, residents (tax or otherwise) and/or visa holders of restricted jurisdictions or to restricted persons or to purchasers in any other jurisdiction where the purchase of tokens or any form of cryptocurrency may be in violation of applicable laws. Accordingly, @Pay cannot ensure that there will be any demand or market for the @Pay Tokens, or that the Issue Price is indicative of the market price of @Pay Tokens after they have been made available for trading on any cryptocurrency or digital exchange or market. Acquiring @Pay Tokens and storing them involves various risks, in particular the risk that @Pay may not be able to launch all anticipated operations and develop its platform, blockchain and provide all the products and services promised. 

Therefore, and prior to taking part in the IEO or pre-sale and acquiring @Pay Tokens everyone should carefully consider the risks, costs and benefits of acquiring @Pay Tokens, and, if necessary, obtain any independent advice in this regard. Any interested person who is not in the position to accept or to understand the risks associated with taking part in an IEO or pre-sale or the activity (incl. the risks related to the early-stage development of the @Pay platform) or any other risks as is indicated in this Pitchdeck, the @Pay Whitepaper, the @Pay website or any other document should not acquire @Pay Tokens. 

Cryptographic tokens such as the @Pay Tokens are a relatively new and dynamic technology. In addition to the risks set out in this Whitepaper or on the @Pay website, there are other risks associated with taking part in the IEO or pre-sale and your purchase, holding, and use of the @Pay Tokens, including those that @Pay cannot anticipate or foresee. Such risks may further appear as unanticipated variations or combinations of the risks discussed above. 

On concluding the IEO, pre-sale or the establishment of the @Pay platform, the @Pay Tokens will be issued by a technical process referred to as a «Blockchain». This is an open source IT protocol over which @Pay has no rights or liability in terms of its development and operation. Purchasers of @Pay Tokens and users acknowledge and understand, therefore, that @Pay (incl. its bodies and employees) assumes no liability or responsibility for any loss or damage that would result from or relate to the incapacity to use the @Pay Tokens, except in case of intentional misconduct or gross negligence. 

@Pay Tokens are based on the Solana and Algorand protocols. Therefore, any malfunction, unplanned function or unexpected operation of the Solana or Algorand protocols (or other third party provider) may cause @Pay’s network, platform, website or APP to malfunction or operate in a way that is not expected. Ether, the native Solana or Algorand protocol account unit, may itself lose value in a similar way to @Pay Tokens, and also in other ways. @Pay is not liable in any way, financially or otherwise, from any malfunction, unplanned function or unexpected operation of the Solana or Algorand protocols (or other third party provider) may cause @Pay’s network, platform, website or APP to malfunction or operate in a way that is not expected.