User Agreement (Terms of Use)

1.1. Service — the "DoverkaSEND" online platform through which the Company provides payment services to Users.

1.2. User — a legally capable natural person who has reached the age of 18, has registered in the Service, and has accepted the terms of this Agreement.

1.3. Account — the User's personal section in the Service, created upon registration and containing the User's data, operation history and settings. 1.4. Transfer — a payment service whereby the Company, upon the User's instruction, ensures the transfer of funds to a designated payee, with possible currency conversion.

1.5. Wallet — an information service of the Account reflecting the amount of the Company's indebtedness to the User in the corresponding currency. The Wallet is not a bank account. A separate record of indebtedness is maintained for each supported currency (RUB, THB, USD, EUR, etc.).

1.6. Verification (KYC) — the procedure of verification and confirmation of the User's identity, carried out in accordance with the requirements of applicable legislation.

1.7. Partners — third parties (banks, payment systems, telecommunications operators, QR payment providers) engaged by the Company for the provision of payment services to Users and the provision of related services.

1.8. Personal Account — a protected area of the Service accessible to the User after authentication and containing information on the profile, Wallet balances, operations and limits.

1.9. SBP — the Faster Payments System of the Bank of Russia, used as one of the methods of accepting payments in Russian roubles.

1.10. PIN code — a six-digit numeric code set by the User at the first authorization and used as a mandatory authentication factor at each subsequent sign-in to the Service.

1.11. Two-Factor Authentication (2FA) — an additional layer of account protection activated by the User in the security settings of the Personal Account. One-time codes from authenticator applications (Google Authenticator, Authy, etc.) and hardware security keys are supported.

1.12. Conversion (Exchange) — an operation of exchanging funds between the User's currency Wallets without sending to a third party. 1.13. Direct Transfer — a payment service consisting in the transfer of the User's funds (via SBP or another method) to the payee without the prior top-up of a Wallet.

1.14. QR Code Payment — an operation of payment for goods or services by scanning a QR code in supported countries (Thailand, Vietnam, the Philippines, Indonesia, etc.) from the User's currency Wallet.

1.15. eSIM — a virtual SIM card purchased by the User through the Service under an agency agreement. The eSIM service is provided by a third-party telecommunications operator; the Company acts as an agent. The name of the current operator(s) is published in the corresponding section of the Service.

1.16. Referral Programme — a programme rewarding Users who attract new participants to the Service through a unique referral code, with the accrual of bonuses to a bonus account.

2.1. This Agreement constitutes a public offer in accordance with applicable legislation. The moment of acceptance of the offer is the completion of the registration procedure in the Service.

2.2. The Company is entitled to unilaterally amend the terms of this Agreement. The current version of the Agreement is posted on the Service's website. Amendments enter into force from the moment of their publication, unless otherwise specified in the text of the amendments.

2.3. Continued use of the Service after amendments to the Agreement constitutes the User's consent to such amendments.

2.4. The Service provides the User with a complex of payment services, including Transfers, currency conversion, QR code payments, the purchase of eSIMs and participation in the referral programme through various channels for payment and receipt of funds, including bank transfers via SBP, QR payments (PromptPay and analogues), crediting to a bank account and to an internal Wallet. 2.5. The Service is not a credit institution and does not engage in banking activities. The Company is a payment service provider included in the register of payment service providers and the types of payment services they provide maintained by the National Bank of the Republic of Belarus. The provision of payment services is carried out through licensed Partners.

3.1. To use the Service, the User is required to complete the registration procedure by providing a valid mobile telephone number. Registration is confirmed by entering a one-time password (OTP) sent by SMS.

3.2. An alternative method of registration and sign-in is authorization via Telegram (Telegram Mini App or Telegram bot), whereby the telephone number may be determined automatically from the linked Telegram account. The one-time password (OTP) may be sent to the User either by SMS or by a message in the Telegram messenger through a service account engaged on a contractual basis. The method of OTP delivery is determined by the Service automatically.

3.3. Upon successful confirmation of the one-time password, the User is required to create a six-digit PIN code, which is thereafter used as a mandatory authentication factor. The combination "one-time password + PIN code" constitutes two-factor authentication, which is mandatory for all Users.

3.3.1. On a subsequent sign-in to the mobile application from a previously authorized device, no repeat OTP is required — the User authenticates by entering the PIN code. If authentication via the operating system is activated on the User's device (Face ID, Touch ID or analogous technology), the PIN code may be replaced by confirmation through such technology. The data processed by such technologies are processed solely on the User's device and are not transferred to the Company.

3.4. The User may additionally activate extended two- factor authentication (2FA) in the security settings of the Personal Account. When 2FA is activated, the Service may request a one-time code from an authenticator application (Google Authenticator, Authy, etc.) or confirmation with a hardware security key during an authorization that is assessed by the system as atypical (sign-in from a new device, from a new location, etc.).

3.5. The User undertakes to provide accurate and up-to- date data upon registration and during subsequent use of the Service.

3.6. The User is responsible for safeguarding the User's credentials, PIN code and 2FA secrets, as well as for all actions performed using the User's account. The User is obliged to immediately notify the Company of any unauthorized access to the User's account.

3.7. A single User may hold only one account in the Service. The creation of multiple accounts is prohibited.

3.8. The Company is entitled to refuse registration or to block an account without giving reasons in the event of a violation of the terms of this Agreement or the requirements of applicable legislation.

3.9. A User may become a participant in the referral programme by entering another User's referral code upon registration, by following a referral link, or by independently inviting new Users through the User's unique referral code. The terms of participation in the referral programme are set out in section 5.8 of this Agreement.

4.1. The Service provides a multi-level User verification system in accordance with the requirements of applicable legislation on anti-money laundering and counter- terrorism financing (AML/CFT):

4.1.1. Level 1 (unverified) — assigned automatically upon registration. Financial operations (Transfers, top- ups, conversions, QR code payments) are unavailable. The User may familiarize themselves with the Service interface, configure the profile and activate additional security measures (2FA). To carry out any financial operations, the User is required to complete verification of at least Level 2.

4.1.2. Level 2 (basic verification) — involves remote identity verification through an authorized identification operator (KYC Service). The User provides personal data, an identity document, and undergoes the "liveness" confirmation procedure (liveness check / comparison of an image of the User's face with the photograph in the document).

4.1.3. Level 3 (extended verification) — additionally includes the provision, upon the Company's request, of one or more of the following documents: (a) a document confirming the residential address (utility bill, bank statement, or other document issued no earlier than 3 months prior to the date of provision); (b) a document confirming the source of origin of funds (income certificate, tax declaration, sale-and-purchase contract, or other document confirming the lawfulness of the origin of funds). The specific list of requested documents is determined by the Company on an individual basis, taking into account the requirements of applicable legislation and the Company's internal AML/CFT policies.

4.2. For each level of verification, limits are set on the maximum amount of a single operation, the cumulative volume of operations per calendar month, the types of operations, and the number of operations. Current limits are published in the Service and communicated to the User in the Personal Account. The Company is entitled to unilaterally amend the limits by notifying Users through the posting of current information in the Service.

4.3. The Company is entitled to request additional documents and information from the User for verification purposes, including confirmation of the source of origin of funds, in accordance with the requirements of applicable legislation and the Company's internal AML/CFT policies. 4.4. Verification is carried out through authorized third parties (identification operators) and/or by the Company independently, depending on the level and stage of verification. The Company does not store copies of identity documents or the original images of the User's face obtained during the identification operator's check — such data are processed solely on the side of the identification operator. Documents provided by the User directly to the Company in the course of extended verification (Level 3) are stored by the Company in accordance with AML/CFT legislation and the Privacy Policy.

4.5. The Company is entitled to set individual limits for particular Users, including to reduce limits upon the detection of indicators of suspicious activity.

5.1. Multi-Currency Wallet

5.1.1. Upon registration, a multi-currency Wallet is available to the User. A separate balance is maintained for each supported currency (RUB, THB, USD, EUR, etc.).

5.1.2. Wallets in all supported currencies are created automatically upon the User's registration. By default, the User is shown Wallets in currencies determined by the Service based on the region of registration (telephone number), as well as a US Dollar (USD) Wallet. The User may independently manage the display of Wallets in the settings of the Personal Account.

5.1.3. The balance of a Wallet consists of available funds and funds blocked (reserved) for the execution of pending operations.

5.2. Wallet Top-Up

5.2.1. The Wallet is topped up in the currency of the corresponding Wallet through the payment methods available to the User in the Service interface. The list of available top-up methods depends on the Wallet currency and the User's region, and may include, among others: payment via the Faster Payments System (SBP), payment via local payment systems (PromptPay and analogues), bank card, as well as other methods implemented in the Service.

5.2.2. Top-up procedure: the User specifies the amount and currency of the top-up; the Service generates a payment instruction — a QR code for scanning in the User's banking application, a link to the secure page of the acquiring bank, or another payment instrument depending on the selected payment method; the User makes the payment; upon confirmation of payment, the Wallet balance is topped up automatically.

5.2.3. The validity period of the payment instruction (QR code, link) is limited and is indicated to the User in the Service interface at the moment of generation. Upon expiry of the specified period, the operation is deemed to have expired; funds not debited within the established period are not withheld.

5.2.4. The minimum and maximum top-up amounts are established by the Company and communicated to the User in the Service interface.

5.3. International Transfer from the Wallet Balance

5.3.1. The User may make an international Transfer from the User's currency Wallet. To do so, the User must: (a) select the direction of the Transfer (for example, RUB → THB); (b) specify the amount of the Transfer; (c) select the method of receipt (bank transfer to an account in Thailand, cash, etc.); (d) specify the payee's data (full name, account number, bank, etc.); (e) confirm the Transfer.

5.3.2. When the amount of the Transfer is entered, the Service displays the current exchange rate and the calculated amount to be received. The displayed rate is provisional and valid for a limited period (as a rule, 15 minutes). If the User does not confirm the Transfer within the specified period, the rate is recalculated automatically. The rate fixed at the moment of the User's confirmation of the Transfer is final for that operation.

5.3.3. Upon confirmation, the payment is debited from the User's Wallet and the Transfer is handed over to the Partner for execution.

5.3.4. The User may save the payee's data for repeated use.

5.3.5. In the event of non-execution or partial execution of a Transfer for reasons not attributable to the User, the funds are subject to return to the User's Wallet. The return period depends on the Partner's terms and, as a rule, does not exceed 14 (fourteen) business days. In certain cases, due to the specifics of the payment direction or the Partner's requirements, the return period may be extended, and the User is notified of this through the Service. The procedure for withholding of fees upon return is determined by the terms of the specific operation and is published in the Service.

5.4. Direct Transfer (Without Prior Wallet Top- Up)

5.4.1. If the User's Wallet does not contain sufficient funds to make a Transfer, the Service offers to pay for the Transfer directly via SBP or another available method.

5.4.2. Direct Transfer procedure: (a) the User creates a Transfer, specifying the direction, amount, method of receipt and payee's data; (b) the Service generates a payment instruction (SBP QR code or another payment instrument) for payment of the full Transfer amount (including fees); (c) the User makes the payment; (d) upon confirmation of payment, the Service submits the payout request to the Partner for execution. If the Partner does not make the payout, the funds are returned to the User's Wallet balance.

5.4.3. The validity period of the payment instruction (QR code) for a Direct Transfer is limited and is indicated to the User in the Service interface at the moment of generation. Upon expiry of the specified period, the operation is deemed to have expired.

5.5. Currency Conversion Between Wallets (Exchange)

5.5.1. The User may convert funds between the User's currency Wallets (for example, from RUB to THB) without sending to a third party.

5.5.2. Conversion procedure: (a) select the currency pair (direction of exchange); (b) specify the amount in the source currency or in the target currency — the Service will automatically calculate the counter-amount at the current exchange rate; (c) the Service displays the current exchange rate and the resulting debit and credit amounts; (d) confirm the Exchange.

5.5.3. Upon confirmation, the funds are debited from the source-currency Wallet and credited to the target- currency Wallet at the fixed rate. The operation is executed instantly.

5.6. QR Code Payment

5.6.1. The User may pay for goods and services in supported countries (Thailand, Vietnam, the Philippines, Indonesia, etc.) by scanning the merchant's QR code using funds from the User's currency Wallet.

5.6.2. If the currency Wallet balance is sufficient for payment, the funds are debited instantly.

5.6.3. If the balance is insufficient, the Service offers the User: — to pay directly (Direct Transfer with payment via SBP or another available method); — to first top up the Wallet in the required currency and then make the payment.

5.7. Purchase of eSIM

5.7.1. The Service provides the User with the opportunity to purchase virtual SIM cards (eSIMs) for mobile communications and mobile Internet in various countries of the world.

5.7.2. The eSIM service is provided under an agency agreement. The Company acts as an agent; the telecommunications operator is a third party. The name of the current operator is published in the Service. The Company is not a telecommunications operator and bears no responsibility for the quality, coverage or availability of communications. 5.7.3. Purchase procedure: (a) select the country and the tariff plan (data volume, voice minutes, SMS, validity period); (b) pay the cost of the tariff plan from the currency Wallet (the cost is displayed in the Wallet currency taking into account conversion from USD); (c) receive a QR code and activation code for installing the eSIM on the device.

5.7.4. After activation, the User may top up the data volume of an existing eSIM through the Service.

5.7.5. Refunds for a purchased eSIM are made in accordance with the terms of the telecommunications operator.

5.8. Referral Programme

5.8.1. Each User is assigned a unique referral code upon registration.

5.8.2. The User may share the User's referral code with other persons. When a new User registers with a referral code, a referral link is created between them.

5.8.3. When the invited User performs operations in the Service, bonuses are accrued to the bonus account of the inviting User in accordance with the terms of the programme in effect at the moment of the operation. The list of operations for which bonuses are accrued, as well as exclusions from accrual, are published in the Service.

5.8.4. The conditions of accrual, the amount of bonuses and the procedure for their use are determined by the Company and may be amended unilaterally.

5.9. Operation History

5.9.1. The User has access to the full history of operations on the User's account, including: Transfers (indicating status, amount, payee, rate); Wallet top-ups; currency conversions; QR code payments; eSIM purchases; accrual and debit of bonuses.

5.9.2. For each transaction, the amount, currency, date, status and type of operation are displayed. 5.10. Support Service

5.10.1. The User may contact the support service through the built-in inquiry (ticketing) system in the Service, specifying the subject, category of the inquiry and a description of the issue.

5.10.2. The User may attach files (images, documents) to the inquiry.

5.10.3. The status of the inquiry is tracked in the Personal Account.

6.1. The current tariffs and fees for the provision of services are published in the Service and communicated to the User before the confirmation of each operation.

6.2. The Company is entitled to unilaterally amend tariffs and fees, notifying Users thereof by posting current information in the Service.

6.3. Operation limits are established depending on the User's verification level and may include restrictions on the maximum amount of a single operation (Transfer, top-up, conversion), the cumulative volume of operations per month, the types of operations and the number of operations.

6.4. The Company is entitled to unilaterally amend the limits taking into account the requirements of applicable legislation. The Company is also entitled to set individual limits for particular Users.

6.5. The Company is entitled to impose restrictions on particular categories and directions of operations (by type of goods and services, by categories of payees, by countries and other parameters). The list of restricted and prohibited categories of operations is published in the Service. The Company is entitled to unilaterally amend such list.

7.1. The User has the right to:

7.1.1. Use the functional capabilities of the Service in accordance with this Agreement.

7.1.2. Contact the Company's support service regarding issues related to the operation of the Service and the operations performed.

7.1.3. Discontinue use of the Service at any time and delete the User's account, subject to the absence of pending operations and outstanding obligations.

7.1.4. Activate or deactivate additional two-factor authentication (2FA) in the security settings of the Personal Account.

7.1.5. Participate in the referral programme and receive bonuses in accordance with its terms.

7.2. The User undertakes to:

7.2.1. Comply with the terms of this Agreement and applicable legislation.

7.2.2. Provide accurate, precise and up-to-date information.

7.2.3. Not use the Service for the purposes of legalization (laundering) of criminal proceeds, financing of terrorism or other unlawful activities.

7.2.4. Not take actions aimed at disrupting the normal operation of the Service.

7.2.5. Not attempt unauthorized access to the Service, its servers and networks.

7.2.6. Not use automated means (bots, scripts) to interact with the Service without the prior consent of the Company.

7.2.7. Promptly inform the Company of any changes to personal data.

7.2.8. Maintain the confidentiality of credentials, PIN code and 2FA secrets and not transfer them to third parties.

8.1. The Company has the right to:

8.1.1. Unilaterally amend the terms of the Agreement, the tariffs, limits and functional capabilities of the Service.

8.1.2. Suspend or terminate the User's access to the Service in the event of a violation of the terms of the Agreement or applicable legislation.

8.1.3. Request additional information and documents from the User for verification purposes and compliance with applicable legislation.

8.1.4. Refuse to perform an operation where there are suspicions of fraud, money laundering or other unlawful activity.

8.1.5. Carry out planned and unplanned technical works which may temporarily restrict the availability of the Service.

8.2. The Company undertakes to:

8.2.1. Ensure the operation of the Service and the timely processing of operations in accordance with this Agreement.

8.2.2. Take reasonable measures to protect the personal data and confidential information of Users.

8.2.3. Inform Users of material changes in the terms of service provision by posting notices in the Service.

8.2.4. Maintain the operation of the support service for handling User inquiries.

9.1. The Company processes the personal data of Users in accordance with applicable personal data legislation and the Privacy Policy posted on the Service's website.

9.2. By registering in the Service, the User consents to the processing of the User's personal data to the extent necessary for the provision of the Service's services, including collection, systematization, accumulation, storage, clarification, use, transfer to Partners and destruction of personal data.

9.3. In the course of providing services, the Company may transfer the User's personal data to the following categories of third parties: — identification operators — for the purposes of identity verification; — payment partners — for the execution of Transfers, top-ups and QR payments in the course of providing payment services to Users; — acquiring banks — for payment processing; — telecommunications operators and service providers — for the delivery of SMS notifications, OTP codes and messenger messages; — eSIM providers — for the fulfilment of orders for virtual SIM cards; — other counterparties engaged by the Company to fulfil obligations towards the User — to the extent necessary for the provision of the corresponding services; — state authorities — in cases provided for by applicable legislation.

9.4. The Company takes the necessary organizational and technical measures to protect personal data from unauthorized access, destruction, modification, blocking, copying, distribution and other unlawful actions.

9.5. Personal data are stored in encrypted form. Telephone numbers and other identifiers are displayed to the User in masked form.

9.6. The User is entitled to withdraw consent to the processing of personal data by sending a corresponding notice to the Company. Withdrawal of consent entails termination of access to the Service.

10.1. All exclusive rights to the Service, including software, design, texts, graphic elements, trademarks and other intellectual property, belong to the Company or are used under corresponding licences. 10.2. Use of the Service does not grant the User any rights to the Company's intellectual property, except for a limited right to use the Service in accordance with its intended purpose.

10.3. Copying, reproduction, modification, decompilation, reverse engineering, distribution and other use of the Service or its elements without the Company's prior written consent is prohibited.

11.1. The Service is provided on an "as is" basis. The Company does not guarantee that the Service will meet the User's expectations, or that it will operate continuously, quickly, reliably and error-free.

11.2. The Company bears no liability for:

11.2.1. Losses arising from the User's provision of inaccurate, imprecise or incomplete data.

11.2.2. Delays in the execution of Transfers caused by the actions of Partners, banks or other third parties.

11.2.3. Temporary unavailability of the Service caused by technical works, failures of communication networks or other circumstances beyond the Company's reasonable control.

11.2.4. Losses arising from unauthorized access to the User's account through the User's own fault, including compromise of the PIN code or 2FA secrets.

11.2.5. Indirect, incidental or consequential losses, including lost profits.

11.2.6. The quality, coverage and availability of communications services provided through purchased eSIMs. Liability for communications services lies with the telecommunications operator.

11.3. The User bears full responsibility for compliance with applicable legislation when using the Service, including currency legislation and AML/CFT legislation.

12.1. All disputes and disagreements arising in connection with this Agreement shall be resolved through negotiations.

12.2. If the dispute cannot be resolved through negotiations within 30 (thirty) calendar days from the date of receipt of a written claim, the dispute shall be referred to the competent court in accordance with applicable legislation.

12.3. The User is entitled to send a claim to the Company through the built-in inquiry system in the Service or using the contact details indicated on the Service's website. The period for considering a claim shall not exceed 30 (thirty) business days.

13.1. The User is entitled to terminate the use of the Service at any time by contacting the support service with a request to delete the account.

13.2. The Company is entitled to suspend or terminate the User's access to the Service in the following cases: — violation by the User of the terms of this Agreement; — provision of inaccurate data by the User; — existence of suspicions of fraudulent or unlawful actions; — receipt of an order from an authorized state body; — prolonged non-use of the Service (more than 12 months).

13.3. Prior to the deletion of the account, the User is obliged to independently withdraw all funds from the Wallets using the methods available in the Service and to complete all pending operations. 13.4. Upon submission of a request to delete the account, the Service notifies the User of the balance of funds on the Wallets (if any) and of the need to withdraw them. If the User confirms deletion of the account with a non- zero balance, the User is obliged, within 30 (thirty) calendar days from the date of confirmation, to send a request to the support service for the return of the remaining funds. The request may be sent through the built-in inquiry (ticketing) system in the Service, by email, or through other communication channels indicated by the Company on the Service's website for inquiries on the return of funds.

13.5. The return of remaining funds is made by transfer to a bank account or by another available means specified by the User and agreed by the Company. If the specified return method is unavailable or cannot be used for technical, regulatory or other reasons, the User is obliged, within a reasonable period, to provide alternative details. The return shall be effected within 30 (thirty) business days from the moment the Company receives correct details, subject to successful completion of verification. The Company is entitled to withhold a fee for processing the return in accordance with the tariffs published in the Service.

13.6. The Company bears no liability for delays in the return caused by the User's failure to provide proper details, as well as by other circumstances beyond the Company's control.

13.7. If the User has not submitted a request for the return of funds within the period specified in clause 13.4, the Company is entitled to send a repeat notification. If the User has taken no action to return the funds within 180 (one hundred and eighty) calendar days from the moment of deletion of the account, the unclaimed funds shall be deemed to constitute the User's waiver of their receipt, and the disposition of such funds shall be carried out by the Company in accordance with applicable legislation.

14.1. The Parties shall be released from liability for non- performance or improper performance of obligations under this Agreement if such non-performance was the consequence of force majeure, including, but not limited to: natural disasters, military actions, strikes, the adoption by state bodies of regulatory acts preventing the performance of obligations, failures of communication networks and electricity supply.

15.1. The Company sends notices to the User via SMS messages, push notifications, messages in Telegram, email or by posting information in the Service.

15.2. A notice shall be deemed received by the User from the moment of its dispatch, unless otherwise provided by applicable legislation.

15.3. The User may contact the Company through the built-in inquiry (ticketing) system in the Service or by the contact details published on the Service's website.

16.1. This Agreement enters into force from the moment of the User's registration in the Service and is valid indefinitely.

16.2. The invalidity by a court of any provision of this Agreement shall not entail the invalidity of the remaining provisions.

16.3. The Company's inaction in the event of a violation by the User of the provisions of the Agreement does not deprive the Company of the right to take corresponding actions subsequently.

16.4. Relations not regulated by this Agreement shall be governed by applicable legislation.

16.5. All matters not regulated by this Agreement shall be resolved in accordance with applicable law.

16.6. The applicable law is the legislation of the Republic of Belarus. The competent court for dispute resolution is the court at the location of the Company (Minsk, Republic of Belarus), unless otherwise provided by mandatory provisions of legislation.