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Terms & Conditions

Terms & Conditions

Last updated November, 2022
These Terms of Use and any terms expressly incorporated herein (the “Terms”) governs access to and use of all parts of the website and mobile application branded as LYOPAY Pro (hereinafter referred as “LYOPAY Pro ” “We” “Us” or “Our” and referring to the domain www.lyopay.pro (the “Platform”) and all documents, data, materials or other information made available on the Website. Your access to and use of the platform is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, clients and others who access or use Our Platform.
By clicking the “Sign Up” button or by accessing or using the Platform, You implicitly acknowledge and agree to be legally bound by these Terms and Our Privacy Policy as published on the Platform at the time of each use. You agree that You have read, understood and accepted all of the Terms stipulated in this agreement and You are legally bound by these Terms as well as Our Privacy & Cookies Policy. If You do not agree to the Terms and policies, please refrain from using Our Platform.
These Terms may be made available in several languages; all versions are legally binding, but in the event of inconsistency between the English version and a translated version, the English version prevails.
1. DEFINITION
1.1. “Account” - an account on the Platform opened and held in the name of a Client and maintained by LYOPAY Pro
1.2. “Client” – any natural or legal person who opens an account on the Platform and maintained by LYOPAY Pro (hereinafter referred as “Client”, “You”, “Your”)
1.3. “Collaboration Partner”- permits LYOPAY Pro to deliver the services to the Client. Through the confirmation of the present Terms, the Client agrees to the terms of use and privacy policy of each Collaboration Partner, without prejudice that any of these may require additional consent or validation necessary for the part of the service they are in charge of. Collaboration Partners may restrict their services to Clients who do not comply with Collaboration Partner’s risk appetite. All services regulated as e - money and/or payments services are exclusively provided by the Collaboration Provider.
1.4. “Funds” - means an account for both crypto and fiat currencies that hold inter-exchangeable value and are operated within Our system. These funds can be digitally deposited, withdrawn, transferred, and stored.
1.5. “GDPR”- Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC (General Data Protection Regulation) (Text with EEA relevance), OJ L 119, 4.5.2016. If Your country of residence is based within the European Economic Area (“EEA'') and the GDPR applies to Our processing of Your personal data. If Your Country of Residence is outside of the EEA, provisions related to the GDPR shall not apply to Your use of the services.
1.6. “Services”- connecting the Clients to technological tools through the use of the Platform by LYOPAY Pro providing the Collaboration Partner services that enable, but not restricted to (i) e-banking, (ii) exchange, (iii) crypto-wallets, (iv) payment cards (both virtual and physical), (v) token staking and (vi) Marketplace in a single Platform. Please refer to Clause No. 6 for more information.
1.7. “Wallet”- a storage that is used to digitally and securely store, send, and receive cryptocurrencies. LYOPAY Pro has a multi-currency wallet allowing Our Clients to receive different types of cryptocurrencies supported by the LYOPAY Pro . The Wallet holds one or more public addresses that act as cryptocurrency account numbers and can be used to receive that particular asset. Blockchain is a linear chain of multiple linked blocks that are cryptographically secured. Each block contains, among other things, a list of recent transactions and a reference to the block that came immediately before it.
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2. GENERAL PROVISIONS
2.1. Applicability - The Services are intended solely for Clients who are at least 18 years old and who satisfy the criteria described in these Terms. The Client must represent and warrant that he/she:
(i) as an individual, legal person, or other organization, have full legal capacity and sufficient authorizations to enter into these Terms;
(ii) have not been previously suspended or removed from using Our Services;
(iii) are not located in, or a citizen or resident of the United States;
(iv) is not a legal or natural person with US citizenship, domicile or tax liability in the USA or according to the sanction lists of OFAC and;
(v) is not a Politically Exposed Person (PEP).
2.2. Supplementary Terms – These Terms between LYOPAY Pro and You do not cover all rights and obligations. Therefore, the Privacy & Cookies Policy and all other agreements entered into separately between You and LYOPAY Pro are deemed to be considered as Supplementary Terms that are an integral part of these Terms and shall have the same legal effect.
2.3. The use of the Platform and its content is voluntary and falls under the responsibility of the Client.
2.4. Some Services may not be available in certain jurisdictions or regions or to certain clients. We reserve the right to change, modify or impose additional restrictions at Our discretion at any time.
2.5. These Terms (together with the Client registration form in the Platform and Our Privacy & Cookies Policy) contain the entire agreement and understanding of the parties relating to the subject matter of the agreement between Us and supersedes all prior agreements, understandings or arrangements (both oral and written) relating to the same.
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3. REGISTRATION FOR A LYOPAY PRO ACCOUNT
3.1. All users must apply for a LYOPAY Pro Account to be eligible as Our Clients to use Our Services.
3.2. In the process of registering to Our LYOPAY Pro Account, You must provide Your real name, physical address, phone number, electronic email address, date of birth, taxpayer ID number, national ID, a self-portrait photograph, bank account information, credit card information, etc. For further information please read Our Privacy & Cookies Policy along with Our Terms and the terms of services of Our Collaborative Partners.
3.3. From time to time We may be required to request further information regarding Your transactions in order to comply with applicable law and regulation. Failure to provide such information in a timely fashion may result in the suspension of Your ability to use the Services (until You provide such information) or the closure of Your Account.
3.4. You represent and warrant that any and all information provided to Us pursuant to the registration process or otherwise is true, accurate and not misleading in any respect. If any such information changes, it is Your obligation to timely update such information as soon as possible to maintain the integrity and accuracy of the information.
3.5. If there are any grounds for believing that any of the information You provided is incorrect, false, outdated or incomplete, LYOPAY Pro reserves the right to send You a notice to demand correction, directly delete the relevant information, and, as the case may be, terminate all or part of LYOPAY Pro Services provided to You. Notice may be sent to You via the email address or on the registered mail address that You have provided to Us. If We are unable to reach You with the contact information You provided, You shall be fully liable for any loss or expense caused to LYOPAY Pro during your use of Our Services.
3.6. You also acknowledge and agree that Your personal information may be disclosed to credit bureaus and agencies for fraud prevention or financial crime prevention, which may respond to Our investigations in full.
3.7. For Our compliance purposes and in order to provide the Services, You hereby authorize Us to, directly or through a Collaboration Partner, obtain, verify, and record information and documentation that helps Us to verify Your identity and personal Account information.
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4. SERVICES ACCESS
4.1. Access to the Services is granted through Our Platform. Your use of the Platform remains at all times subject to the terms of conditions and privacy policy of the relevant app store from which You downloaded it, for example the Google Play. To the extent that there is a conflict between those terms and conditions and these Terms and Conditions, these Terms prevail.
4.2. Certain Services or parts of the Platform may be accessible only by agreeing to the terms of use and privacy policies of Our Collaboration Partner’s. We strongly advise You to read the terms and conditions and privacy policies before applying for the Services.
4.3. We reserve the right to change, suspend, or discontinue any aspect of the Services at any time and in any jurisdiction, including hours of operation or availability of any feature, without notice and without liability. We may decline to process any order and may limit or suspend Your use of one or more Services at any time, in Our sole discretion. Suspension of Your use of any of the Services will not affect Your rights and obligations pursuant to these Terms. We may, in Our sole discretion, decline to process orders if (i) We believe the transaction is suspicious; (ii) the transaction may involve fraud or misconduct; (iii) it violates applicable laws; or (vi) it violates these Terms.
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5. ACCOUNT SECURITY
5.1. LYOPAY Pro has been committed to maintain the security of Client's entrusted funds, and has implemented industry standard protection.
5.2. You shall agree to treat Your access credentials (Username & Password) as confidential information, and not to disclose such information to any third party. You must not give information about Your Account to anyone else to use. If You permit another person to have access to Your Account You will be deemed to have authorized that person to access Your Account and agree that You are personally responsible for the use of Your Accounts, according to these Terms.
5.3. You also agree to be solely responsible for taking the necessary security measures to protect Your account and personal information.
5.4. In order to circumvent loss, misuse, unauthorized acquisition or alteration of Your data, Clients are requested to choose the strongest password and to take appropriate steps to logout from LYOPAY Pro at the end of each visit.
5.5. In the event of any unauthorized access, LYOPAY Pro insists the Client to notify the customer support immediately.
5.6. LYOPAY Pro will never under any circumstances ask You for username, IDs, passwords, any authentication codes, and We assume no responsibility for any loss that You may sustain due to compromise of account login credentials due to no fault of LYOPAY Pro and/or failure or act on any notices or alerts that We may send You.
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6. SERVICES
6.1. We may offer You Accounts in different currencies, including fiat currencies USD, EUR, GBP, JPY, PHP and CNY, and cryptocurrencies. Some currency Accounts may not be available to you. You agree that we may add or discontinue the use of any currency at any time.
6.2. Services will also include IBAN enabled accounts with debit cards and virtual cards, concierge and branded rewards
7. CLIENT OBLIGATIONS
7.1. When using the LYOPAY Pro Services, You must comply with the applicable laws. YOU MUST NOT:
- attack Our network security, in particular by uploading or attaching files that are infected with viruses or other harmful components capable of impairing the operation of another Client’s device;
- impair or in any way attempt to impair other Client’s access to or use of the Platform or the Services (e.g., by generating, whether manually or by automated means, an unusually high number of accesses);
- harvest or otherwise collect information about Clients, including email addresses, without their consent;
- post false, inaccurate, misleading, defamatory, unlawful, harassing, libelous, privacy-invading, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable content on Our Platform or through/on Our Services or commercialize any Our services, application, or any information or software associated with them;
- use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell or otherwise exploit for any purpose any content of the Platform not owned by You in a way that violates someone else’s (including Ours) rights;
- commercialize any Our Services, application, or any information or software associated with them.
7.2. We reserve the right to settle any damages caused due to the breach of these Terms from the funds stored in Your account.
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8. LINKS TO OTHER WEBSITES
8.1. The Platform may contain links to third-party (including, but not limited to, Collaboration Partner) websites or services that are not owned or controlled by Us.
8.2. We have no control over, and We assume no responsibility for, the information, content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that We shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such information, content, goods or services available on or through any such websites or services.
8.3. We do not accept liability for the content of any referenced or linked off-site page and are not liable for that content. The risk of injury rests entirely with You. Links from the Platform to other websites do not constitute an endorsement from Us. It is your responsibility to evaluate the content and usefulness of information obtained from other websites.
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9. THIRD PARTY SERVICES
Certain features of Our Platform and Products may utilize the services and/or products of third-party vendors, Collaborative Partners and business partners, which services and/or products may include software, information, data or other services. Certain of these vendors, Collaborative Partners and business partners require Clients who utilize such features to agree to additional terms and conditions. This Terms identifies third-party terms and conditions that are required by such third-party vendors, Collaborative Partners and business partners as they apply to the features set forth below. Your uses of such features constitute Your agreement to be bound by these additional terms and conditions. These third-party terms are subject to change at such third party’s discretion. LYOPAY Pro is not responsible and does not assume any liability whatsoever for acts, errors or omissions of any third-party service provider.
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10. RISK DISCLOSURE
10.1. By accessing or using Our Platform, You are voluntarily choosing to engage in sophisticated and risky asset transactions. You are further acknowledging that You are aware of the inherent risks associated with using cryptographic and blockchain-based systems including, but not limited to, risks of financial loss, technology glitches and hacking. We work hard to provide state-of-the-art systems and security. Nonetheless, certain issues and risks are unavoidable, and if such issues or problems arise in connection with Your use of Our Platform, including technical difficulties with depositing or trading cryptocurrencies, it may take days, weeks, or months to resolve, and some issues may not be resolved at all.
10.2. Please note that Cryptocurrency transactions are irreversible. If You send cryptocurrency to an incorrect address, or send the wrong amount, You cannot get it back. LYOPAY Pro will not be liable for executing a transaction if the instruction relates to an incorrect address.
10.3. You further understand that the markets for digital assets are highly volatile due to factors including but not limited to, adoption, speculation, technology, security, and regulation. You acknowledge and accept that the cost and speed of transacting with cryptographic and blockchain-based systems are variable and may increase dramatically at any time. You further acknowledge and accept the risk that your digital assets may lose some or all of their value while they are supplied and You may suffer loss due to the fluctuation of prices of tokens in a trading pair or liquidity pool, and, especially in expert modes, experience significant price slippage and cost. You understand that anyone can create a token, including fake versions of existing tokens and tokens that falsely claim to represent projects, and acknowledge and accept the risk that You may mistakenly trade those or other tokens. You further acknowledge that We are not responsible for any of these variables or risks, and cannot be held liable for any resulting losses that You experience while accessing or using Our Platform. Accordingly, You understand and agree to assume full responsibility for all of the risks of accessing and using the Platform. In addition you further agree and acknowledge that LYOPAY Pro is not responsible for the aforementioned risks, and You voluntarily assume and accept such risks in deciding to engage in cryptocurrency transactions on Our Platform
10.4. LYOPAY Pro will not be responsible if You do not have enough money in Your Account to make the transfer, (ii) through no fault of LYOPAY Pro, the transaction would have caused You to exceed Your available credit (fiat/cryptocurrency), (iii) circumstances beyond Our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer or transfer cancellation despite reasonable precautions that We have taken, (iv) there is a hold on Your Account, or if access to Your account is blocked in accordance with banking policy, (v) your funds are subject to legal process or other encumbrance restricting the transfer (vii) Your transfer authorization terminates by operation of law, (viii) You believe someone has accessed Your Accounts without Your permission and You fail to notify LYOPAY Pro immediately, (ix) You have not properly followed the scheduling instructions to make a transfer or the payee refuses the service. (x) for the failure of any payee to correctly Account for or credit the payment in a timely manner, (xi) We have received incomplete or inaccurate information from You or a third party involving the Account or transfer. (xii) We have a reasonable basis for believing that unauthorized use of Your Password or Account has occurred or may be occurring, or if You default under these Terms.
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11. DISCLAIMER
11.1. There is a risk that We may be temporarily or permanently not able to provide access to the Platform and thus also to the Services. The Platform is provided “as is” and “as available”. We and Our Collaboration Partner’s, expressly disclaim all representations or warranties of any kind, whether express, implied, statutory or otherwise about the Platform and Services, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
11.2. LYOPAY Pro do not warrant that (i) the Platform will function uninterrupted, secure or available at any particular time or location, or will be error-free or free of harmful components; (ii) any errors or defects will be corrected; (iii) the Platform is free of viruses or other harmful components; (iv) any content and data, including Your data, will be secure or not otherwise lost or damaged; (v) the results that may be obtained from the use of the Services will be accurate or reliable; or (vi) the results of using the Platform will meet Your requirements or expectations.
11.3. You hereby, acknowledge that information You store or transfer through Services may become irretrievably lost or corrupted or temporarily unavailable due to a variety of causes, including software failures, protocol changes by third party providers, internet outages, force majeure event or other disasters including third party distributed denial of services (DDoS) attacks, scheduled or unscheduled maintenance, or other causes either within or outside Our control. You are solely responsible for backing up and maintaining duplicate copies of any information You store or transfer through Our services.
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12. LIABILITY
12.1. In no event shall LYOPAY Pro , its board members, employees, Collaboration Partner’s, shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers, joint ventures or contractors or entities of the LYOPAY Pro ’s group, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) Your access to or use of or inability to access or use the Platform; (ii) any conduct, content of any third party on the Platform; (iii) any content obtained from the Platform; and (iv) unauthorized access, use or alteration of Your transmissions, content, whether based on warranty, contract, tort (including negligence) or (v) any other legal theory, whether or not We have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
12.2. We endeavor to ensure but cannot guarantee essentially uninterrupted availability of the Platform and the Services and error-free transmissions. Access to the Platform or the Services may also be suspended or restricted from time to time to allow for repairs and maintenance or the introduction of new services or tools. LYOPAY PRO WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM ANY USE OF YOUR ACCOUNT BY YOU OR BY ANY THIRD PARTY (WHETHER OR NOT AUTHORIZED BY YOU) INCLUDING BUT NOT LIMITED TO CYBER ATTACKS, UNAUTHORIZED ACCESS BY ANY THIRD PARTY.
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13. INDEMNIFICATION
You agree and acknowledge to indemnify and hold LYOPAY Pro , its affiliates, Collaborative Partners, directors, agents, respective officers, employees, joint venturers, representatives, contractors, licensors from any and all claims, demands, loss, proceedings, suits or damages, cost or expenses including attorney’s fees, any fines, fees or penalties imposed by any regulatory authority arising out of Your infringement or infringement by any other person of Your account or related to any violation or breach of this agreement or any applicable law, regulations or rights of any third party (including, but not limited to, exploitation of the Platform’s software error/glitch). In such circumstances, LYOPAY Pro reserves the right in sole discretion to control any action or proceedings in the manner it wishes to settle it.
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14. CANCELING YOUR ACCOUNT
You may cancel Your Account at any time. Note, extended periods of inactivity may also result in cancellation or Account information stored in the Services being made unavailable. To cancel Your account You shall email us with your primary email address.
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15. ACCOUNT SUSPENSION AND CLOSURE
15.1. We may, in Our sole and absolute discretion, without liability to You or any third party, refuse to let You open an Account, suspend Your Account, consolidate Accounts if You have more than one or terminate Your Account or Your use of one or more of the Services. Such actions may be taken as a result of one or more of a number of factors, including without limitation account inactivity, failure to respond to customer support requests, failure to provide positive identification, a court order, illegal/fraudulent activities or your violation of these Terms. We may also temporarily suspend access to Your Account in the event that a technical problem causes a system outage or Account errors until the problem is resolved.
15.2. In the event of attempt to access any part of function of the properties without authorization or any networks of LYOPAY Pro Services, violate any security or authentication measures or impersonate or otherwise manipulate identification, to disguise Your identity or the origin of any messages or transmissions You sent to LYOPAY Pro or using Our Services in any illegal manner, and creating a substantial doubt of any suspicious activity or suspicious transfer of virtual/fiat currency, LYOPAY Pro shall take the below mentioned actions under relevant regulations without Your consent or prior notice;
i. Immediate, temporary or permanent withdrawal of Your right to use Our Platform and Services;
ii. Issue of a warning to You
iii. Suspend the account temporarily
iv. Freezing Your account
v. Deleting any information, You published that are found to be violations
vi. Terminate Your account
vii. Reporting the incident to the relevant authorities
viii. Institute a legal proceeding against You for reimbursement of all costs resulting from the breach;
ix. We reserve the right to restrict or refuse to permit withdrawals from Your Account if (i) Your Account has otherwise been suspended or closed by Us in accordance with these Terms; (ii) to do so would be prohibited by law or a court order or We have determined that the assets were obtained fraudulently; or (iii) You have not undergone the required identity verification procedure such that Your identity has been verified, as indicated by Your Account.
15.3. We reserve the right to maintain Your account registration and trading information, after You close Your Account, for business and regulatory compliance purposes, for a period no less than 5 years, subject to applicable laws and regulations.
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16. WAIVER AND SEVERABILITY
No waiver of the LYOPAY Pro of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the LYOPAY Pro to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
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17. MODIFICATION
LYOPAY Pro Terms of Use are reviewed regularly and updated to the applicable laws and regulations. We reserve the right, at Our sole discretion to change, modify, restrict, refuse, move, remove, disable or discontinue, entirely or in part, at any time and without prior notice, these Terms, the Services and content, including Client content, on the Platform. When an updated version of the Terms of Use is released, and if the user or Client continues access to LYOPAY Pro means that the user or Client agrees and consents to the Updated Content of the Terms of Use. THEREFORE, YOU ARE RECOMMENDED TO FREQUENTLY REVIEW THESE TERMS OF USE TO ENSURE YOUR UNDERSTANDING OF THE TERMS OF USE THAT APPLY TO YOUR ACCESS TO AND USE OF OUR PLATFORM.
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18. PRIVACY POLICY
We care about Your data protection, its security and confidentiality. We at LYOPAY Pro reserve the right to collect, process, use or disclose Your personal data in accordance with the Terms of Use including Privacy Policy. Please visit Our Privacy Policy to understand how We collect, store, share and protect Your personal data.
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19. COMPLAINTS RESOLUTION
19.1. Any disputes arising out of or in relation to this agreement shall be settled amicably by mutual negotiations. Besides, LYOPAY Pro has adopted a Complaint Resolution procedure in order to ensure a fair and quick process for handling all complaints that may arise. In the event if You have any complaints or other inquiries, Your first step is to contact Our customer support service.
19.2. We will review and reply to all admissible complaints within the timeframe that We have specified in the acknowledgement sent by Us. However where, in exceptional situations, We are unable to provide the final decision within the timeframe that We have specified in the acknowledgement, We will send You a holding response explaining the causes of the delay and indicating when We expect to be in a position to complete the review of Your complaint.
19.3. We will do Our best to resolve Your request as soon as possible, but this may not always be possible. We will keep You updated on the progress of handling Your complaint and reply to Your reasonable information requests made in this regard by You without any undue delay.
19.4. IN ANY CIRCUMSTANCES, FAILURE TO FOLLOW THE ABOVE-MENTIONED COMPLAINTS RESOLUTION PROCESS OF THESE TERMS, BEFORE FILING AN ARBITRATION CLAIM OR SUIT IN ANY LOCAL SMALL CLAIMS COURT OR INSTITUTION, WE SHALL HAVE THE RIGHT TO ASK THE ARBITRATOR TO DISMISS YOUR FILING OF COMPLIANT, UNLESS YOU COMPLETE THE INTERNAL COMPLAINTS RESOLUTION PROCESS.
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20. DISPUTE RESOLUTION
20.1. In any event if the Complaint Resolution process fails and/or any disputes arising out of or in relation to these agreements are not resolved by mutual negotiations, it shall be referred to the London Courts of International Arbitration (LCIA).
20.2. The arbitration shall be conducted by a single arbitrator and shall take place in LCIA, in English Language.
20.3. Either party agrees to provide to the other party a thirty (30) days written notice of dispute. Both parties in this agreement will split the cost to initiate a dispute through arbitration. The prevailing shall have the right to collect from other parties its reasonable costs, including but not limited to attorney;s fees and expert witnesses.
20.4. IN ANY CIRCUMSTANCES, FAILURE TO FOLLOW THE ABOVE-MENTIONED COMPLAINTS RESOLUTION PROCESS OF THESE TERMS, BEFORE FILING AN ARBITRATION CLAIM OR SUIT IN ANY LOCAL SMALL CLAIMS COURT OR INSTITUTION, WE SHALL HAVE THE RIGHT TO ASK THE ARBITRATOR TO DISMISS YOUR FILING OF COMPLIANT, UNLESS YOU COMPLETE THE INTERNAL COMPLAINTS RESOLUTION PROCESS.
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21. GOVERNING LAW
This Agreement is governed by the laws of England and Wales. Any dispute arising out of this agreement between You and Us shall be decided in England.
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22. CLASS ACTION WAIVER
You and LYOPAY Pro agree that, to the extent permissible by Law, all claims must be brought in a party’s individual capacity, and not on a class, representative or collective basis, and the parties hereby agree to waive all rights to have any dispute be brought, heard, administered, resolved or arbitrated on a class, collective, or representative basis. Disputes of more than one Client cannot be arbitrated or consolidated with those of any other Clients. Combining or consolidating individual arbitrations into a single arbitration is not permitted without the consent of all parties, including LYOPAY Pro . Further, You acknowledge that, by agreeing to these terms, You and LYOPAY Pro are each waiving the right to a trial by jury and the right to participate in a class action.
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23. CONTACT US
If You have any questions, comments, or concerns relating to these Terms of Use, Your rights and obligations arising from these Terms, please contact Us via [email protected]