These Terms and Conditions are a legal agreement between you, as a current or prospective user of the DIGITAP Services, and RMATM EUROPE LIMITED, (hereafter, “DIGITAP,” “we,” “our” or us”), and governs your use of the Digitap App, a fintech platform, which includes mobile applications, websites, software, cloud-based solutions, and other products and services (the “Service”), offered by DIGITAP. If you are using the DIGITAP Services on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these terms. By using the Service you agree to be bound by these Terms and Conditions and any policies referenced within (“Policies”), including our Privacy Policy.

By accessing the DIGITAP platform or completing the registration process, you form a legally binding contract with DIGITAP and are deemed to have expressly acknowledged, read, understood, and accepted these Terms in their entirety.

Preamble

The Platform allows you to access and view your financial accounts held with banks or other licensed financial services providers, all in one place.

DIGITAP acts solely as a technical service provider, offering an interface that enables users to view and interact with data from their financial accounts held with licensed financial services providers (“DIGITAP Services”). DIGITAP does not open, hold, or manage financial accounts, and does not process or control user funds. All underlying financial services are provided directly by the respective financial services providers.

By accessing financial services integration functionalities through the Platform, you acknowledge that:

• DIGITAP is the exclusive provider of these services (which consist solely of technical integration and do not include financial services);
• Your relationship with your financial services providers remains separate and governed by their terms and conditions;
• DIGITAP does not provide or control any financial or account-related services.

The provisions in this section apply solely to the use of DIGITAP Services within the App.

How is the platform working?

All financial services available through the Platform are provided directly by Joint Development Bank (“JDB”), a licensed financial institution based in Lao PDR, and may also be provided by other licensed banks or financial service providers onboarded to the Platform from time to time. RMATM EUROPE LIMITED is appointed by JDB and acts as a commercial partner supporting the integration and distribution of JDB’s services. DIGITAP’s role remains strictly limited to providing the technical infrastructure that enables access to these services, while JDB and any other onboarded financial service providers on the Platform remain solely responsible for the delivery and performance of all regulated financial services offered through the Platform.

1. PROVISION OF SERVICES

1.1. DESCRIPTION OF THE SERVICE

DIGITAP Services enable the technical rendering and local display of account-related information that is provided directly by third-party financial services providers, such as JDB or other onboarded financial services provider on the Platform. These features are accessed through user-initiated embedded interfaces or direct API connections within the Platform.

The functionality includes, but is not limited to:

• Displaying balances, transaction history, and other non-sensitive, view-only account data;
• Relaying user-initiated requests (e.g., refresh data or redirect to the financial institution’s interface) without alteration or enrichment;
• Enabling session-based, ephemeral access with no persistent storage, caching, or duplication of financial data by DIGITAP.

All operations are subject to the technical limitations and availability of the respective financial institution’s infrastructure. DIGITAP acts solely as a passive conduit, facilitating user-initiated data flows without accessing, aggregating, modifying, or interpreting any financial content.

The design ensures that all financial data remains under the control of the licensed financial institution. DIGITAP does not access, store, or process banking credentials, nor does it maintain a record of account information beyond what is technically required to display it on the user’s device.

1.2. WHAT TYPE OF ACCOUNT IS MY DIGITAP ACCOUNT?

When using the Platform, there are two distinct types of accounts, each with a different purpose and governed by separate rules:

(a) DIGITAP Account

A DIGITAP Account is created when you register on the Platform.

• It exists solely for the purpose of providing DIGITAP Services, such as accessing the Platform, linking external financial accounts, configuring non-custodial wallets, and managing your preferences or settings.
• The DIGITAP Account does not hold funds, function as a bank account, or represent a stored value facility.
• It is strictly a technical account, used to authenticate your identity within the Platform and to enable access to integrated services.
• DIGITAP remains the sole operator of this account, but it carries no regulatory or financial implications beyond the scope of DIGITAP Services.

(b) Financial Account

The Financial Account is an external account opened and maintained directly with a licensed financial services provider, such as a bank, electronic money institution, or another authorized financial services provider onboarded on the Platform (e.g., JDB).

• This account is governed exclusively by a separate agreement between you and the financial institution.
• All rights and obligations related to the account — including opening, access permissions, transaction execution, limits, fees, and dispute resolution — are defined solely by the financial institution’s terms and regulatory framework.
• DIGITAP does not open, issue, operate, or hold financial accounts or balances on your behalf.
• DIGITAP’s role is limited to providing a technical interface through which you can view and interact with your account at the financial services providers.

To this effect, the relationship between the two accounts is as follows:

• Your DIGITAP Account serves as the gateway to link and manage one or more Financial Accounts within the Platform.
• Closing your DIGITAP Account will not automatically close any Financial Account, and vice versa, as they are legally and operationally separate.

1.3. NON-CUSTODIAL WALLET INTEGRATION

Users are solely responsible for securing their wallet credentials and recovery mechanisms.

Also, upon request, DIGITAP Services include integration with a non-custodial wallet interface that enables users to view and manage digital assets associated with accounts held outside the Platform. The non-custodial wallet is operated in a manner that ensures exclusive user control over private keys and credentials; DIGITAP does not access, hold, or store these keys at any time.

The wallet may be created, connected, or imported into the Platform for convenience, but it remains fully portable and can be exported to compatible third-party applications.

The non-custodial nature of the wallet means that:

• DIGITAP cannot recover access in case of lost credentials or keys;
• DIGITAP does not act as a custodian or intermediary for wallet-related transactions;
• The user retains full ownership, control, and portability of the wallet at all times.

Any operations, including the use of other applications, are conducted directly between the user and the relevant application, with DIGITAP providing only the interface to facilitate such interactions.

As such, users can connect or generate a non-custodial wallet through the Platform solely for the purpose of interacting with the DIGITAP Services. By using the wallet integration, you acknowledge and agree that:

• You are solely responsible for managing your wallet credentials, including private keys, seed phrases, recovery phrases, or passcodes.
• Any loss of access to the wallet due to lost credentials is irreversible and cannot be resolved by DIGITAP or any affiliated entity.
• Transactions made using the wallet (including transfers, or asset approvals) are executed directly and cannot be reversed, cancelled, or disputed via the Platform.
• You must ensure compliance with applicable laws regarding the use, holding, or transfer of digital assets in your jurisdiction.
• DIGITAP is not responsible for the availability, functionality, or outcomes of interactions with protocols or networks accessed through the wallet.

You may export or import the wallet into compatible third-party compatible applications/ platforms at your discretion. However, doing so may expose the wallet to risks outside DIGITAP's control. We recommend you use secure environments and exercise due diligence before interacting with external services.

1.4. NO ACCESS TO THE FINANCIAL ACCOUNT CONTENT OR FUNDS

DIGITAP does not hold, store, or manage any user financial accounts, funds, or related content. All account data is retrieved in real time from the user’s financial institution via secure connections and is rendered directly and exclusively on the user’s device within the Platform interface.

DIGITAP does not have access at any time to the content displayed on-screen, nor does it store, duplicate, or intercept any financial information. All data remains under the user’s control and resides temporarily on the user’s device for the duration of the session. No account balances, transaction history, or banking credentials are stored, cached, or transmitted through DIGITAP servers.

Users are solely responsible for maintaining the confidentiality of their access credentials and for ensuring the security of the device used to access DIGITAP Services. In case of device loss, compromise, or misconfiguration, DIGITAP cannot retrieve, recover, or reconstruct any account-related data.

1.5. FINANCIAL SERVICES PROVIDERS’ CONTROLLED DATA AND INFRASTRUCTURE

All information made available through DIGITAP Services is retrieved directly from the financial institution designated by the user. The accuracy, completeness, timeliness, and relevance of the displayed data are entirely the responsibility of that institution. DIGITAP does not verify, modify, or supplement the data received and does not serve as an intermediary, validator, or processor of records.

Any transactions, account updates, data discrepancies, or service limitations must be addressed directly with the financial institution. DIGITAP does not control and cannot be held responsible for the technical performance, security standards, data integrity, or service availability of third-party banking systems.

The user acknowledges that DIGITAP acts solely as a passive conduit for the display of externally sourced financial data and that all financial operations remain fully within the scope and infrastructure of the respective financial institution.

1.6. CHANGES TO DIGITAP SERVICES

We are committed to maintaining a high standard of performance, reliability, and interoperability in the provision of these Services. DIGITAP shall exercise commercially reasonable efforts to ensure that the DIGITAP Services remain secure, functional, and aligned with the industry’s best practices.

However, the availability and functionality of certain features may depend on third-party infrastructure, including but not limited to APIs and systems operated by financial services providers and wallet providers. Accordingly, DIGITAP reserves the right, at its discretion, to update any component of the DIGITAP Services, in whole or in part, where such action is reasonably necessary to:

• respond to changes imposed by third-party providers;
• address security, stability, or performance concerns;
• implement improvements or streamline features.

DIGITAP shall provide users with advance notice of material changes.

1.7 SERVICE AVAILABILITY

DIGITAP aims to ensure a stable, secure, and continuously available technical interface for accessing account-related information through the Platform. Subject to routine maintenance, force majeure events, and third-party dependencies, DIGITAP targets an uptime of 99.99% for its core service infrastructure.

This up-time commitment applies solely to the technical components of DIGITAP Services, including the interface and connectivity layer that enables users to view financial account data. It does not extend to the availability or functionality of external services or infrastructure not operated by DIGITAP.

Interruptions, delays, or incomplete data display may occur due to outages, limitations, or technical issues originating from the financial institution or third-party systems beyond DIGITAP’s control.

2. INTEGRATION WITH FINANCIAL ACCOUNTS AND RELATIONSHIP WITH THE FINANCIAL SERVICES PROVIDERS

2.1 RELATIONSHIP WITH THE FINANCIAL INSTITUTION

The use of DIGITAP Services to integrate or display financial account data does not establish any contractual, fiduciary, or financial relationship between the user and DIGITAP in relation to the financial institution or the underlying account. DIGITAP acts strictly as a technical service provider, and any rights, obligations, entitlements, or liabilities relating to the financial account remain exclusively between the user and the financial institution with which the account was originally opened (e.g., bank).

DIGITAP is not a party to, and shall not be construed as a participant in the account agreement, banking relationship, or service terms governing the user’s financial account. DIGITAP does not create, authorize, administer, manage, validate, or terminate any account, nor does it act as an agent, representative, or delegate of any financial institution.

All decisions regarding the operation of the account, including but not limited to account opening, access permissions, transaction execution, data integrity, dispute resolution, fees, regulatory compliance, and account closure, are made solely by the financial institution and subject to its own contractual and regulatory framework. DIGITAP has no authority to alter, interpret, or enforce any of the terms of the user’s agreement with the financial institution.

To the fullest extent permitted by applicable law, the user agrees and acknowledges that:

• Any queries, complaints, service failures, or liability claims relating to the financial account must be directed exclusively to the financial institution;
• DIGITAP does not assume any responsibility or liability for the conduct, service availability, regulatory compliance, or data provided by the financial institution;
• The inclusion of financial account data within the Platform is for user convenience only and does not constitute verification, endorsement, or involvement by DIGITAP in the underlying financial relationship.

2.2. ACCOUNT LINKING AND ACCESS

In order to access and display account-related information through DIGITAP Services, users will be required to complete an authentication process using login credentials, session identifiers, biometric authentication, or other secure verification mechanisms issued or required by the relevant financial institution. Such credentials are provided exclusively by the financial institution and are subject to its own security policies and user agreement.

By initiating or consenting to this authentication process through the Platform, the user expressly authorizes DIGITAP to establish a connection for the sole purpose of retrieving and rendering financial data within the Platform interface. This connection is session-based, and the scope of access is limited to the parameters permitted by the financial institution’s systems (e.g., viewing balances, transaction history, account identifiers).

To this end, DIGITAP:

• Does not store, retain, or process user credentials, or authentication data beyond the technical parameters required for the session;
• Does not act as a credential manager, identity provider, or recovery agent for any login method associated with the financial institution;
• Cannot intervene in the authentication process or recover access on behalf of the user in the event of credential loss, expiration, revocation, or misconfiguration.

The user bears sole and continuing responsibility for:

• Maintaining the validity, accuracy, and confidentiality of all access credentials used to initiate account linking;
• Ensuring that access is performed in accordance with the terms and conditions of the respective financial institution;
• Revoking or updating access credentials where required to prevent unauthorized access or comply with institutional or legal obligations.

Any failure to authenticate, interruptions in access, or refusal of data transmission by the financial institution shall be resolved directly between the user and that institution. DIGITAP shall not be liable for any loss of access, delayed synchronization, or restricted functionality resulting from invalid or deactivated credentials.

2.3. USER RESPONSIBILITIES

By accessing or using DIGITAP Services, you expressly acknowledge, agree, and undertake the following responsibilities:

(a) Security of access credentials and devices

You are solely and fully responsible for maintaining the confidentiality, integrity, and security of all credentials, authentication factors, and personal devices used to access DIGITAP Services or your linked financial accounts. This includes, but is not limited to:

• Passwords, PINs, recovery phrases, cryptographic keys, device-level biometrics, multi-factor authentication methods, and other identifiers issued by your financial institution;
• Ensuring that your device is protected against unauthorized access, malware, spyware, or any other security vulnerabilities that may compromise your financial data or identity;
• Logging out of active sessions, managing application permissions, and disabling access from lost or compromised devices.

DIGITAP shall not be liable for any loss, misuse, unauthorized access, or compromise of your financial data resulting from your failure to implement appropriate technical and organizational safeguards.

(b) Authorization to access financial accounts

You represent and warrant that you are legally authorized to access and manage any financial account linked through DIGITAP Services, whether such access is personal, institutional, or authorized in a representative capacity. You may not use DIGITAP to access accounts for which you lack the necessary authority, consent, or legal basis.

Any use of DIGITAP Services to interact with third-party accounts without proper authorization constitutes a breach of these Terms and may result in immediate suspension of your access and potential legal consequences.

(c) Continued compliance with financial institution terms

Your relationship with your financial institution, including rights of access, limitations of use, transaction privileges, and applicable fees or restrictions, is governed exclusively by the terms and conditions imposed by that institution. You remain solely responsible for complying with those terms at all times.

DIGITAP does not monitor, validate, or enforce the contractual obligations between you and the financial institution, nor does it provide notifications or alerts regarding changes to those terms. Any breach of your obligations under your agreement with the bank is your sole responsibility and may affect your ability to use DIGITAP Services.

(d) Limitation of role of DIGITAP

You acknowledge and agree that DIGITAP:

• Does not act as a financial intermediary, broker, fiduciary, payment service provider, or regulated entity under financial services law;
• Does not provide financial, tax, legal, investment, or transactional advice and should not be relied upon for any decision involving the use, management, or interpretation of your financial account data;
• Does not monitor your account activity, assess risk, or perform anti-fraud, AML, or KYC functions associated with the linked financial accounts;
• Provides only a technical interface, operating on a best-effort basis, for the display and interaction with account information already controlled and maintained by your financial institution.

You are solely responsible for any use or reliance placed on the account information accessed through DIGITAP, and for any financial, legal, or personal decisions made on the basis of that information.

(e) Duty to notify and act prudently

You must promptly notify your financial institution and, where relevant, DIGITAP if you suspect unauthorized access to your financial account, the compromise of your credentials, or any irregularity in the display of data through the Platform. You are expected to act diligently and in good faith in maintaining the security and legality of your financial account activity.

2.4 DEPENDENCE ON FINANCIAL INSTITUTION TERMS AND USER COMPLIANCE

DIGITAP does not control, influence, or assume responsibility for the contractual relationship between the user and the financial institution.

If you breach, violate, or otherwise fail to comply with the terms, policies, or obligations imposed by your financial institution — including but not limited to unauthorized access, prohibited use, overdue obligations, account misuse, or regulatory non-compliance — the financial institution may, at its discretion suspend or restrict access to your financial account.

DIGITAP shall not be liable for any limitation, disruption, or termination of service that results from such actions taken by the financial institution. In such cases, you acknowledge and agree that:

• The financial institution is acting in accordance with its own rights and obligations under its agreement with you;
• DIGITAP has no authority to challenge, override, or reinstate access to your account or related data;
• DIGITAP’s role is limited to providing a technical interface that is operable only when permitted by the bank’s infrastructure and applicable terms.

You are solely responsible for ensuring that your use of DIGITAP Services is consistent with and does not violate the contractual terms, policies, or usage restrictions of your financial institution.

2.5 KNOW YOUR CUSTOMER (KYC) INFORMATION

Financial services providers integrated within the DIGITAP Services may require users to undergo Know Your Customer (KYC) verification as a condition for account creation, continued access, or to comply with applicable anti-money laundering (AML), counter-terrorist financing (CTF), or financial sanctions regulations.

KYC procedures are established and controlled exclusively by the respective financial services providers, in accordance with their own legal obligations, internal compliance policies, and regulatory framework. DIGITAP does not determine the scope, criteria, or outcome of any KYC process and does not act as a regulated entity for AML or onboarding purposes.

Where required by the financial services provider, DIGITAP may facilitate the collection, submission, and secure transmission of KYC-related data through the Platform interface, including but not limited to:

• Identification documents (e.g., passport, national ID);
• Proof of address;
• Biometric verification (e.g., selfie or liveness check);
• Other documentation or personal information required by the financial institution.

Such data is collected solely on behalf of and under the instructions of the financial services providers and is transmitted securely for the exclusive purpose of satisfying that institution’s KYC obligations. DIGITAP does not store, reuse, process, or rely on such information for its own purposes, nor does it assume any responsibility for the verification, validation, or approval of KYC submissions.

You acknowledge and agree that:

• The KYC process is governed exclusively by the policies of the financial services providers;
• DIGITAP acts only as a technical facilitator and not as a decision-maker or verifier;
• Any delays, rejections, or requests for additional documentation must be addressed directly with the financial institution;
• Failure to complete or pass the KYC process may result in partial or full loss of access to account features provided by these financial services providers via DIGITAP Services.

DIGITAP shall not be held liable for any denial of service, account restriction, or delay resulting from KYC-related procedures or determinations made by the financial institution.

2.6 CARD ISSUANCE

As part of your financial account relationship with a licensed financial services provider, you may be offered access to one or more payment cards — including virtual cards, physical cards, or both — issued directly by that provider. Any such card is issued, activated, and governed solely by the financial services provider under its own applicable terms, policies, and regulatory framework.

DIGITAP does not issue, produce, manage, or activate any card and is not a card issuer or licensed financial institution. DIGITAP merely facilitates the technical display, configuration, or management of the card interface within the Platform, as permitted by the card-issuing financial services provider.

You acknowledge and agree that:

• The issuance, activation, expiration, replacement, limits, and permitted usage of the card are subject entirely to the terms and conditions of the financial services provider;
• Any disputes, malfunctions, declined transactions, fraud investigations, chargebacks, or requests related to the card must be handled directly with the issuing provider;
• DIGITAP does not control the card lifecycle, does not provide customer support on behalf of the issuer, and shall not be held liable for any card-related issues, losses, or regulatory obligations.

Whether a virtual or physical card is issued will depend on your eligibility, the policies of the financial services provider, and applicable law. You may be required to undergo identity verification (KYC) or meet additional criteria as imposed by the issuer before a card is made available.

2.7 FUNDS GUARANTEE AND DEPOSIT PROTECTION

Financial services providers, including banks, payment institutions, and e‑money institutions, may be part of deposit guarantee or insurance schemes under the laws of their respective jurisdictions. The scope, coverage percentage (e.g., 70%, 100%), insured limits, eligibility rules, and payout procedures are established by the applicable deposit protection regime and the financial services provider’s compliance therewith.

By using DIGITAP Services, you acknowledge that any deposit protection or guarantee covering your account is provided solely by the financial services provider and under the legal regime governing that provider.

2.8 EXCHANGE SERVICES

The Platform may provide access to functionalities that allow users to exchange fiat currency for digital assets, digital assets for fiat currency, or one form of digital asset for another (“Exchange Services”).

All Exchange Services are provided exclusively by licensed financial services providers integrated into the DIGITAP platform, such as Joint Development Bank (JDB) or other regulated entities onboarded from time to time. These providers operate under their own regulatory authorizations, policies, and contractual terms.

DIGITAP does not act as an exchange operator or financial intermediary. Its role is strictly limited to providing the technical interface through which exchange instructions are transmitted to the licensed provider for execution. DIGITAP does not:

• Hold or manage fiat currency, digital assets, or private keys involved in the exchange;
• Set or control exchange rates, fees, or execution conditions;
• Provide market-making, liquidity, or settlement services;
• Verify the legality, source, or regulatory compliance of assets being exchanged.

Users acknowledge and agree that:

• Any exchange transaction is directly between the user and the licensed financial services provider performing the exchange;
• Exchange rates, fees, execution times, and applicable limits are determined exclusively by that provider;
• DIGITAP shall not be liable for delays, failed transactions, rejected orders, market fluctuations, or regulatory obligations related to the exchange.

The user remains solely responsible for ensuring that:

• Their use of Exchange Services complies with all applicable laws, including anti-money laundering (AML), counter-terrorist financing (CTF), and sanctions regulations;
• They provide accurate and lawful information for each transaction, including any required disclosures regarding the origin of funds or digital assets;
• They understand and accept the risks associated with volatile markets, including potential loss of value, execution slippage, or delayed settlement.

Where required by the exchange provider, Know Your Customer (KYC) or additional verification steps must be completed before initiating exchange transactions. DIGITAP may facilitate the technical transmission of KYC data but does not determine or control the verification process.

By initiating an exchange transaction through the Platform, you expressly acknowledge that DIGITAP’s role is limited to technology integration and that all regulatory and operational responsibilities for the exchange rest entirely with the licensed financial services provider executing the transaction.

2.9. FEES

Fees may apply when you add money to your account, initiate transactions, or use services offered by the financial services provider. These fees are determined and charged solely by the financial services provider, in accordance with its own pricing policies and terms.

You can review the applicable fees on the provider’s dedicated Fees page or through its published documentation. DIGITAP does not set, determine, or modify these fees.

All fees are paid directly to the financial services provider. DIGITAP does not collect or retain any portion of these fees and does not act as an intermediary in their calculation, collection, or distribution.

DIGITAP maintains its own commercial arrangements with the financial services providers to facilitate the technical integration of services within the Platform. These arrangements are independent of and unrelated to any fees you pay to the financial services provider. You will not be charged any additional platform fee by DIGITAP for using the technical interface.

You are responsible for reviewing and understanding the fee schedule of your financial services provider, including any charges for deposits, withdrawals, card issuance, or other account services. DIGITAP shall not be liable for any fees applied by the financial services provider or for any disputes arising from such charges.

2.10 DATA PROCESSING & PRIVACY

We have created a dedicated Privacy Notice related to DIGITAP Services.

DIGITAP does not access, store, or process user financial data. All financial data remains under the exclusive control of the respective financial services provider and is transmitted using secure protocols without being stored or retained by DIGITAP.

Where identity verification (KYC) is required by a financial services provider, any user data is collected and transmitted solely on behalf of and under the responsibility of that provider. DIGITAP acts strictly as a technical conduit in such cases and does not determine the purpose or means of processing.

Users should refer to the privacy policy of their financial services provider for full details regarding the collection, use, and storage of personal and financial information.

Unlike traditional financial service providers, DIGITAP does not enrich, infer, or combine financial data for the purpose of credit scoring, personalization, or predictive modeling. All information presented via the Platform is displayed in real time and remains in exclusive custody and control of the user and their selected financial institution.

2.11 THIRD-PARTY SERVICE INTEGRATIONS

The Platform may contain links or provide technical access to services operated by third parties, including wallet providers, card issuers, or account aggregators. Use of such third-party services is at your own risk and subject to their respective terms and conditions.

DIGITAP does not endorse, control, or assume liability for any third-party services or content accessed through integrations or APIs provided via the Platform.

2.12 FRAUD MONITORING DISCLAIMER

While DIGITAP implements technical safeguards to secure the data flow between your device and the financial institution, it does not actively monitor account behavior, detect suspicious activity, or prevent fraud.

Users are responsible for monitoring their accounts and reporting any unauthorized or suspicious activity directly to their financial services provider.

2.13 ACCOUNT TERMINATION OR SUSPENSION

DIGITAP reserves the right to suspend or terminate access to its services where required by law, at the request of a financial institution, or in cases of suspected abuse of the system, including but not limited to violation of the Acceptable Use Policy, fraud, or unauthorized access.

Termination of access to the Platform does not affect the status of the user’s financial account with the respective payment services provider, which remains governed by its own terms.

2.14 Ownership

We reserve all rights not expressly granted to you in these Terms and Conditions. The DIGITAP Services are protected by copyright, trademark, patent, and other applicable laws. We own all rights, title, interest in and to the DIGITAP Services. These Terms and Conditions do not grant you any rights to our trademarks or service marks.

For the purposes of these Terms and Conditions, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.

You may submit feedback, comments, or ideas about the DIGITAP Services (“Ideas”). Submitting Ideas is entirely voluntary, and we will be free to use such Ideas as we see fit and without any obligation to you.

3. ACCEPTABLE USE POLICY (AUP) FOR FINANCIAL INTERFACES

This Acceptable Use Policy (“AUP”) governs your use of the DIGITAP Services and outlines prohibited conduct relating to the interaction with financial services providers through the Platform. The purpose of this AUP is to preserve the integrity, security, and regulatory compliance of DIGITAP as a technical service platform.

By accessing or using DIGITAP Services, you agree to use them only for lawful purposes and in accordance with the terms set forth herein. Violations of this AUP may result in suspension or termination of your access to DIGITAP Services.

You shall not, and shall not permit or assist any third party to act in any way that would have an negative impact against DIGITAP, such as to:

• Attempt to access, retrieve, or manipulate financial data from any account that you are not legally authorized to control or view;
• Bypass or attempt to bypass authentication, encryption, or security mechanisms used to protect access to financial data or linked accounts;
• Use scraping tools, bots, automation scripts, or any other technique to extract data beyond what is displayed through normal user interaction;
• Use DIGITAP Services in a manner that violates the terms and conditions of any financial services provider;
• Initiate or facilitate fraudulent access, transactions, or identity misrepresentation when linking accounts;
• Use the Services in a manner that violates applicable laws or regulations, including sanctions laws, anti-money laundering (AML) obligations, or export controls;
• Attempt to derive source code, design, or API protocols by reverse engineering DIGITAP or connected infrastructure; or
• Disrupt or attempt to disrupt the normal operation of DIGITAP Services, including through denial of service attacks or API abuse.

DIGITAP reserves the right, in its sole discretion and without prior notice, to:

• Suspend or terminate your access to DIGITAP Services if you violate this AUP;
• Restrict or block specific integrations or API access to protect system integrity;
• Report suspected illegal activity to the relevant financial institution or competent regulatory authority;
• Cooperate with law enforcement or regulators investigating a violation of law or regulation.

If you become aware of any misuse or abuse of DIGITAP Services that may constitute a violation of this AUP, please report it immediately by contacting support@digitap.app. Reports should include sufficient detail to enable a technical and legal assessment.

4. LIABILITY OF DIGITAP

DIGITAP acts exclusively as a technical service provider, offering an interface through which users may view and interact with financial account data retrieved from licensed financial services providers. DIGITAP does not hold, manage, process, or execute payments, nor does it act as a financial institution, payment service provider, or custodian.

To the fullest extent permitted by applicable law, DIGITAP shall not be held liable for any actions, inactions, errors, omissions, delays, disruptions, or security breaches attributable to financial services providers, including but not limited to:

• Inaccurate, outdated, or incomplete account data;
• Rejected or failed transactions;
• Account access restrictions or credential issues;
• Technical failures in the financial services infrastructure or APIs;
• Loss of funds, interest, or business opportunity caused by the performance or non-performance of a financial services provider.

All issues regarding the management, operation, and security of your financial account must be addressed directly with the financial services provider with which the account is held.

DIGITAP disclaims all liability for limitations on access, use, or functionality arising from:

• Regulatory action or licensing restrictions placed on a financial institution;
• Jurisdictional access controls or service availability limits;
• Sanction regimes, anti-money laundering obligations, or Know Your Customer (KYC) requirements imposed by law or by the financial services providers.

Users are solely responsible for complying with the applicable terms and legal conditions of the financial services provider and for maintaining lawful use of the DIGITAP Services in their jurisdiction.

DIGITAP is not responsible for any loss of access to account data, unavailability of linked services, or failure to synchronize real-time account information caused by:

• Outdated or invalid credentials;
• Revoked user authorization;
• Interruptions in third-party API functionality;
• User device failure or security breach.

Users are solely responsible for maintaining up-to-date access credentials and ensuring the security of their own devices.

To the fullest extent permitted by law, DIGITAP disclaims all liability for any indirect, incidental, or consequential damages, including loss of profits or data, arising out of the use of DIGITAP Services.

To the extent that liability cannot be fully excluded under applicable law, DIGITAP’s total aggregate liability for any damages arising from or in connection with the use of DIGITAP Services shall be limited to the maximum amount permitted by applicable law, and if the law allows limited to the revenue generated to DIGITAP by the user.

5. GOVERNING LAW AND JURISDICTION

This Chapter 5 of the Terms and Conditions, including any disputes arising from or relating to your use of the Platform and the DIGITAP Services, shall be governed by and construed in accordance with the laws of Dubai, U.A.E., without regard to its conflict of law principles.

Any dispute, controversy, or claim arising out of or in connection with these Terms and Conditions, including any question regarding their existence, validity, interpretation, or termination, shall be submitted to the exclusive jurisdiction of the competent courts of Dubai, U.A.E.

Nothing in this section shall deprive a user of the protection afforded by mandatory provisions of consumer protection law in the jurisdiction in which the user resides, to the extent such protections may not be lawfully waived.

6. NOTICES AND DISPUTES

If you believe that your access to DIGITAP Services has been restricted, suspended, or terminated in error, or if you wish to raise a dispute concerning the technical services provided by DIGITAP, you may contact us at: support@digitap.app.

Please include sufficient detail to identify your user session and describe the issue. While we will make reasonable efforts to review your request, you acknowledge and agree that:

• DIGITAP does not store any account data, credentials, or personally identifiable financial information, and therefore may be unable to verify, investigate, or restore your session history or service configuration;
• DIGITAP cannot access or recover data or credentials stored by the financial services provider;
• All disputes concerning financial transactions, access to funds, KYC verification, or account limitations must be addressed directly with the respective financial services provider.

DIGITAP shall not be liable for the acts, omissions, or policies of any financial services provider or for any dispute that falls outside the scope of the technical interface it provides.

If your inquiry relates to the availability or correctness of data retrieved from a linked account, we may be able to confirm whether DIGITAP's secure connection to the financial services provider was functioning at the relevant time.

7. TERMINATION OF DIGITAP ACCOUNT

DIGITAP may suspend or terminate your access to the DIGITAP Services and/or deactivate your DIGITAP Account at any time, with or without notice, if:

• You violate these Terms or applicable laws;
• Your use of the Platform poses a security, fraud, or regulatory risk;
• Required by a financial services provider or a regulatory authority; or
• For any other reason, at DIGITAP’s reasonable discretion.

DIGITAP may also add, modify, suspend, or remove any feature or functionality of the Platform, including conditions of access, at any time. Where practical, DIGITAP will notify you of such changes by email or within the Platform at your next login attempt, if possible.

You may deactivate your DIGITAP Account at any time through the Platform settings or by submitting a request to DIGITAP.

• Deactivating your DIGITAP Account does not close or terminate any Financial Account you hold with a licensed financial services provider.
• If you wish to close a Financial Account, you must follow the procedures and terms of the financial services provider directly.

Termination or suspension of your DIGITAP Account does not affect the legal relationship between you and any financial services provider.

• DIGITAP cannot terminate, freeze, or modify any Financial Account linked to the Platform.
• All decisions concerning your Financial Account — including account closure, suspension, or limitations — are made exclusively by the financial services provider in accordance with its own terms and applicable laws.

8. EFFECT OF TERMINATION

When your relationship with DIGITAP ends, whether by deactivation of your DIGITAP Account by you or termination by DIGITAP, all rights and licenses granted to you under these Terms and Conditions will immediately cease.

DIGITAP may delete or deactivate your information and account data stored on its systems, except where retention is required by law or regulatory obligations. Your non-custodial wallet will remain fully under your control and can be exported or replaced before termination, but DIGITAP cannot recover lost keys or restore access. Any data or balances related to your Financial Account remain entirely under the authority of the licensed financial services provider, which maintains its own terms and retention policies.

DIGITAP will not be responsible for any losses, damages, or claims resulting from the termination or suspension of your DIGITAP Account, the removal of data from DIGITAP’s systems, or any action taken by a financial services provider regarding your Financial Account. Termination of your DIGITAP Account does not automatically close or affect any Financial Account you hold, and you must work directly with the relevant provider for any account changes or closure.

Certain provisions of these Terms, including those relating to intellectual property, data protection, liability, dispute resolution, and governing law, will continue to apply even after termination.

9. SERVICES UPON CLOSURE OF ACCOUNT

Closing or terminating your DIGITAP Account does not impact or terminate any Financial Account held with a financial services provider. All such accounts remain subject to their respective terms and regulatory obligations.

When your DIGITAP Account is closed or terminated, DIGITAP will disable your access to the Platform and its services. Because DIGITAP does not hold or manage funds on your behalf, any balances or pending transactions remain solely within your Financial Account, which is opened and maintained directly with a licensed financial services provider.

The financial services provider will be responsible for settling any pending transactions and handling any remaining balances according to its own terms, policies, and applicable laws. If an investigation, compliance review, or dispute is pending at the time your Financial Account is closed, the provider may freeze or hold funds until the matter is resolved.

DIGITAP has no authority or ability to release, transfer, or withhold funds, and you must work directly with the financial services provider to withdraw balances, complete settlements, or address any restrictions placed on your Financial Account.

10. REFERRAL PROGRAMS

From time to time, we may offer referral programs or incentives for inviting others to use the Service (a “Referral Program” ). Any bonuses or incentives under such Referral Program shall be subject to the then current Referral Program terms, if applicable, and otherwise at our sole discretion.

11. ASSIGNMENT

These Terms and Conditions, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.

12. CONTACT US

For questions, complaints, or support requests, contact:

DigiTap
Email: support@digitap.app
Website: www.digitap.app