Terms & Conditions

Last Updated: 20-Dec-2025

Effective Date: 20-Dec-2025

1. Introduction

Welcome to the PEYMO.FINACE website (the "Website").

This Website is operated by PEYMO SL, a company registered in:

Calle Canónigo Torres 10, Bajo,

03181 Torrevieja (Alicante),

Spain.

Reg.No.: B22922314, further on ("PEYMO", "we", "us", or "our").

These Terms of Use ("Terms") govern your access to and use of the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

2. About PEYMO

PEYMO is a technology platform that provides infrastructure enabling account and card services through partnerships with regulated financial institutions. PEYMO is not a bank, electronic money institution, or payment institution. The regulated financial services described on this Website are provided by our licensed financial partners, not by PEYMO directly.

Card programmes described on this Website are planned and subject to required partner and network approvals. References to card services do not constitute a guarantee or promise that such services will be available.

3. Purpose of the Website

This Website is designed to:

Provide information about PEYMO and our technology platform
Describe the types of services that may be offered through our regulated partners
Support discussions with potential partners, financial institutions, and compliance teams
Facilitate contact and enquiries

This Website is not a consumer-facing launch site for financial services. It is intended primarily for informational purposes and to support partner due diligence and compliance review.

4. No Financial Services Provided

PEYMO does not provide financial services directly through this Website. We do not:

Accept deposits or hold funds
Issue payment accounts or IBANs
Issue payment cards
Execute payment transactions
Provide investment advice or services

Any financial services described on this Website would be provided by regulated financial institution partners, subject to their terms and conditions, eligibility requirements, and applicable regulatory approvals.

5. No Offer or Solicitation

Nothing on this Website constitutes an offer, solicitation, or recommendation to purchase or use any financial product or service. Information provided is for general informational purposes only and should not be relied upon as financial, legal, or professional advice.

6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, software, and the compilation thereof, is the property of PEYMO Ltd or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, perform, or use any content from this Website without our prior written consent, except for personal, non-commercial use.

The PEYMO name and logo are trademarks of PEYMO Ltd. You may not use these marks without our prior written permission.

7. Website Use Restrictions

You agree not to:

Use the Website for any unlawful purpose or in violation of these Terms
Attempt to gain unauthorised access to any part of the Website or its systems
Interfere with or disrupt the Website or servers connected to the Website
Use any automated means to access or collect data from the Website
Transmit any viruses, malware, or other harmful code
Impersonate any person or entity or misrepresent your affiliation

8. Third-Party Links

This Website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content or availability of third-party sites and do not endorse or accept responsibility for them. Your use of third-party websites is at your own risk and subject to their terms and conditions.

9. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

The Website will be uninterrupted, secure, or error-free
Any defects will be corrected
The information on the Website is complete, accurate, or current

10. Limitation of Liability

To the fullest extent permitted by applicable law, PEYMO Ltd and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of or related to your use of or inability to use the Website.

Our total liability for any claims arising from your use of the Website shall not exceed one hundred pounds sterling (£100).

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless PEYMO Ltd and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Website or violation of these Terms.

12. Changes to the Website and Terms

We reserve the right to modify, suspend, or discontinue the Website (or any part thereof) at any time without notice. We may also update these Terms from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or related to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and PEYMO SL regarding your use of the Website.

16. Contact Us

If you have any questions about these Terms, please get in touch with us at:

PEYMO SL

Calle Canónigo Torres 10, Bajo,

03181 Torrevieja (Alicante),

Spain.

Reg.No.: B22922314