Welcome to TxnGo Cross-Border Payment Services!

This TxnGo Cross-Border Payment Services Agreement (this “Agreement”) is entered into by and between GLOBENET FOREX LIMITED (“TxnGo”, “we”, “us”, or “our company”) and the user (“user”, “you”, or “your”) who uses TxnGo cross-border payment services.

Amendment Mechanism

We reserve the right to unilaterally amend this Agreement at any time. The amended Agreement will be posted on the TxnGo official website. If you continue to use the services after the amended notice is published, you shall be deemed to have read, understood and accepted the revised terms. If you do not agree to the amendments, you shall stop using the services before the amendments take effect.

Background

You wish to use TxnGo cross-border payment services pursuant to this Agreement and any subsequent supplementary agreements, and TxnGo agrees to provide such services subject to the terms hereof. Based on the principles of equality, mutual benefit and joint development, the parties hereby agree as follows:

Chapter 1: Service Overview & Basic Conditions

Article 1 Prerequisites for Services

1.1 Obligation to Provide Information: When applying for the services, you shall provide TxnGo with authentication information (including but not limited to identity information and transaction information). TxnGo may provide services to you pursuant to this Agreement only after completing verification in accordance with its compliance and risk control rules, applicable laws and regulatory requirements.

1.2 Third-Party Cooperation Arrangements: TxnGo provides services under this Agreement through cooperation with:

(1) TxnGo’s affiliates;

(2) banks cooperating with TxnGo or its affiliates (“Cooperating Banks”);

(3) third-party institutions cooperating with TxnGo or its affiliates (including but not limited to ERP service providers, e-commerce platforms, tax agents, etc.) (“Partner Institutions”).

The above cooperation constitutes a necessary condition for the provision of the services.

You confirm this Agreement as acceptance of an indirect payment agency relationship with TxnGo’s affiliates, and acknowledge and consent that TxnGo and the above affiliates, Cooperating Banks and Partner Institutions collectively act as your payment agents in connection with the services. For simplicity, the above parties are collectively referred to as “Txngo’s Cooperating Third Parties”.

1.3 Scope of Services: “TxnGo Cross-Border Payment Services” (“Services”) hereunder include but are not limited to cross-border receiving services, withdrawal services and payment services.

Chapter 2: Account Management

Article 2 Registration and Use of TxnGo Account

2.1 Account Registration: Registration for a TxnGo account is required to use the Services. You acknowledge that your TxnGo account and related receiving accounts are subject to this Agreement (including the Privacy Policy and service rules issued by TxnGo from time to time).

2.2 Truthfulness and Accuracy of Information: You undertake to provide complete, true and accurate information to TxnGo during registration and use, and ensure all information is lawful, complete, true and accurate throughout the term of this Agreement.

2.3 Definition of Service Rules: “Service Rules” as used in this Agreement mean rules formulated by TxnGo that you shall comply with when using relevant services, including various service rules, page displays, guidelines, FAQs, operation procedures, announcements and notices that have been published or may be published in the future.

Article 3 User Eligibility

To open a TxnGo account, you must meet all of the following conditions:

(1) You have full civil capacity and may lawfully enter into this Agreement;

(2) The registrant (“Authorized Party”) has obtained your lawful authorization and is entitled to agree and accept this Agreement on your behalf;

(3) The Authorized Party is responsible for material control, management and supervision of your business;

(4) You are not prohibited by TxnGo from using the Services;

(5) You are not on any government sanctions list, nor are you located in a sanctioned country or region;

(6) The laws of your location do not prohibit use of the Services;

(7) All materials submitted to TxnGo are up-to-date, complete and accurate, and you maintain and update them in a timely manner;

(8) The Services are for commercial purposes only and are strictly prohibited for personal use.

Article 4 Identity Verification (KYC)

4.1 You must satisfy TxnGo’s “Know Your Customer” (KYC) and other verification requirements to use the Services. You shall submit identity materials and information as required by TxnGo. TxnGo may verify such information for KYC compliance either itself or through Cooperating Third Parties.

4.2 If TxnGo conducts verification through a Cooperating Third Party, you agree and authorize TxnGo to disclose your identity materials and information to such institution for verification purposes.

4.3 You acknowledge identity verification is critical for TxnGo to perform anti-money laundering and anti-fraud obligations. If you provide incomplete, inaccurate or untrue identity information that causes loss to TxnGo or its affiliates, you shall fully indemnify us.

Article 5 Information Update and Status Notification

5.1 During the term of this Agreement and use of the Services, we may require you to update or supplement information and materials (including information relating to transactions, payers and payees) at any time. If you fail to provide such information, we may suspend or terminate your TxnGo account.

5.2 TxnGo shall not be liable if you are temporarily or permanently unable to use the Services (including being unable to withdraw or execute transactions) due to any identity verification or review process.

5.3 You shall notify TxnGo in writing within three (3) days if any of the following occurs:

(1) You become subject to any voluntary or involuntary bankruptcy, insolvency, receivership or similar proceedings;

(2) Your financial condition materially deteriorates;

(3) You plan or anticipate liquidation, or a material change in the nature of your business;

(4) You transfer or sell 25% or more of your total assets, or there is a change in control/ownership of your business/parent company;

(5) You receive a judgment or writ of seizure, execution, lien or levy against 25% or more of your total assets.

Article 6 Account Restriction and Closure

6.1 If TxnGo reasonably believes your account is being or has been used for fraud, attempted fraud, misappropriation or in breach of this Agreement, we reserve the right to suspend, restrict, disable or permanently close your TxnGo account without prior notice.

6.2 TxnGo is not a bank or credit institution. No interest will be accrued on funds deposited or settled by TxnGo. To the extent permitted by law, we retain any interest generated from funds in your account.

6.3 Unless otherwise expressly agreed in writing by TxnGo, your instructions for receiving, withdrawing and paying funds are irrevocable once issued.

Chapter 3: Specific Service Contents

Article 7 Receiving Services

7.1 TxnGo provides receiving services pursuant to this Agreement and official website rules, including:

(1) Providing a receiving account in the applicable currency upon your application and in accordance with business rules, for receiving receivables under e-commerce platform transactions;

(2) Collecting transaction funds on your behalf through Cooperating Third Parties (if applicable) and crediting them to your receiving account;

(3) Notifying you with commercially reasonable efforts upon receipt of transaction funds;

(4) Other receiving-related services posted on the official website or notified separately (“TxnGo Receiving Services”).

7.2 Determination of Completed Payment: Once TxnGo receives transaction funds from the payer, the payer shall be deemed to have completed full payment to you (except where funds are recalled or reversed due to reasons of the payer or non-TxnGo causes). The payer shall no longer be liable for payment or liable for settlement fund losses, as if the payer had delivered funds directly to you (unless otherwise agreed).

7.3 Payer Restrictions: Only e-commerce platforms or payers approved by TxnGo may transfer funds to your receiving account. TxnGo reserves the right to reject unapproved payers, and related costs and fees shall be borne by you.

7.4 Fund Recall: If transaction funds are recalled by the payer or other third parties, you shall communicate with such party on your own, and TxnGo shall not be liable.

Article 8 Withdrawal Services

8.1 After your receiving account receives transaction funds, subject to service rules:

(1) You may submit a withdrawal instruction through your account, directing TxnGo to remit funds (net of service fees) in the designated currency to your designated bank account;

(2) TxnGo shall complete foreign exchange (if needed) through a Cooperating Bank pursuant to your instruction, remit funds to your designated account via the Cooperating Bank, and perform international payment declaration and other formalities in accordance with law;

(3) Other withdrawal-related services posted on the official website or notified separately (“TxnGo Withdrawal Services”).

8.2 After TxnGo receives the withdrawal instruction and corresponding funds, it shall settle funds to your designated account through Cooperating Third Parties and cause them to process within a reasonable time. If instructions or funds are received outside local banking hours, processing shall be postponed to the next business day.

8.3 Legal or Regulatory Restrictions: TxnGo shall not be liable if withdrawal services cannot be provided due to laws, regulations, government or regulatory restrictions. If a withdrawal instruction violates cross-border settlement rules, TxnGo reserves the right to reject execution; if exchange has been completed, TxnGo may reverse exchange at the prevailing rate and return funds to the original remittance account, with related exchange losses, bank fees and TxnGo service fees borne by you.

8.4 Instruction Accuracy: You shall ensure your withdrawal instructions are accurate. TxnGo shall not be liable for misdirected fund transfers due to incorrect instructions; if remittance or withdrawal is rejected, related fees shall be borne by you, and TxnGo reserves the right to deduct directly from your account balance.

Article 9 Payment Services

9.1 You may use TxnGo payment services to pay service fees, goods payments, taxes, official fees and other amounts (“Payments”) to eligible payees, subject to this Agreement and rules. Each payment must be supported by relevant vouchers and materials as required by TxnGo.

9.2 Payment Process: Pursuant to your payment instruction, TxnGo shall deduct service fees from funds in your debit account (“Debit Amount”) and remit the remaining amount (“Payment Amount”) to your designated payee account, and perform international payment declaration and other formalities in accordance with law.

9.3 Exchange Rate Risk: If currency exchange is required, the displayed rate is a reference rate; the actual rate shall prevail at the time of exchange by TxnGo or the Cooperating Bank. Losses arising from exchange rate fluctuations shall be borne by you, and TxnGo shall not be liable.

9.4 Service Fees and Intermediary Bank Fees: The displayed service fee is an estimated amount; the actual fee shall be based on the Debit Amount. Unless otherwise expressly agreed, intermediary bank fees shall be borne by you.

9.5 Account Balance Requirement: You shall ensure sufficient funds in your debit account until full completion of the payment application. TxnGo shall not be liable for payment failure due to insufficient balance.

9.6 Arrival Time: TxnGo shall execute valid payment instructions within a reasonable time after receipt, postponed on non-business days. Payment services are not real-time; TxnGo makes no promise or guarantee regarding completion time.

9.7 Transaction Authenticity: You warrant that payments are based on genuine trade in goods or services, and such transactions comply with applicable laws and regulations.

9.8 Information Errors: TxnGo shall not be liable for payment failure or mispayment due to incomplete, inaccurate or incorrect payee information provided by you.

9.9 Source of Funds: You confirm that funds are lawfully sourced and not from countries or entities subject to sanctions or prohibitions. TxnGo reserves the right to reject unapproved payers, with related fees borne by you. Upon request by TxnGo or regulators, you shall promptly provide proof of fund sources, failing which TxnGo may suspend, discontinue or reject payment.

9.10 Refunds: Unless otherwise agreed in writing, TxnGo does not process refunds. Once a Payment Amount is remitted, TxnGo will not process refunds regardless of whether the payee actually receives them, and service fees already collected are non-refundable.

Chapter 4: Your Responsibilities and Obligations

Article 10 Account Security and Information Protection

10.1 Account Credential Safeguarding: You shall properly keep your login username, password, payment password, verification code and other information. Losses arising from unauthorized use or misuse of account information shall be borne by you; you shall fully compensate TxnGo for any losses caused thereby.

10.2 Information Disclosure Authorization: For the purpose of providing the Services, TxnGo reserves the right to provide your identity and transaction information to regulatory authorities or TxnGo’s Cooperating Third Parties.

10.3 Disputes with End Users: You shall resolve transaction disputes or controversies with your customers on your own, and indemnify TxnGo for any losses resulting therefrom.

Article 11 Risk Events and Emergency Measures

11.1 You shall cooperate with TxnGo to identify, address and mitigate the following risk events. If TxnGo reasonably determines that:

(1) Provision of services may cause TxnGo to violate laws, regulations or regulatory requirements;

(2) There are material defects, vulnerabilities or technical errors in the information security or technical systems of TxnGo or Cooperating Third Parties;

(3) Your transaction funds are recalled or reversed, but TxnGo has completed fund processing pursuant to your instructions;

(4) Your account may involve unauthorized or excess authority operations;

(5) Other circumstances that may affect your continued use of the Services

(collectively, “Risk Events”).

TxnGo reserves the right to take immediate emergency measures including but not limited to freezing account balances, suspending services, and offsetting payable amounts from any of your account balances. Services will be resumed after resolution of the Risk Event. TxnGo shall not be liable for losses caused to you by taking emergency measures.

Article 12 Transaction Record Keeping and Provision

12.1 You shall disclose or provide genuine transaction information (source of funds and transaction background) prior to each use of the Services as required by TxnGo. Failure to provide such information may result in TxnGo rejecting execution of relevant transaction instructions, returning funds to the original remittance account or resolving through negotiation, with related bank fees and exchange losses borne by you.

12.2 You shall keep transaction records and related materials for at least five (5) years from the transaction booking year. You shall provide detailed records as required by regulatory, judicial or compliance audits. You shall not delete records or evade such obligation. You shall compensate TxnGo or its affiliates for all legal liabilities or fines resulting from your breach of this obligation.

12.3 TxnGo undertakes to obtain and use transaction information only within your authorization scope. TxnGo shall compensate you for economic losses caused by unauthorized use or disclosure of information due to the fault of TxnGo or its affiliates.

Article 13 Other Important Obligations

13.1 Intermediary Bank Fees: When using the Services (including refund services), intermediary agent banks and receiving banks may charge fees; such fees and liabilities shall be borne by you.

13.2 Transaction Limits: TxnGo may set transaction limits for different businesses based on risk analysis, and reserves the right to adjust them independently (commercially reasonable). You may apply for adjustments, but TxnGo shall not be liable for losses caused by limit adjustments.

13.3 Liability Exemption: TxnGo and its affiliates shall not be liable for errors by you or the Authorized Party unless such errors arise from our negligence, intentional breach or fraud.

13.4 Unauthorized Transactions: You shall contact us immediately if you discover unauthorized or misexecuted transactions. We may not be liable for expanded losses caused by your failure to notify in a timely manner.

13.5 TxnGo shall not be liable to you in the following circumstances:

(1) Unauthorized transactions result from your failure to properly secure security keys, passwords or unique identifiers;

(2) You fail to promptly notify us of lost security information after becoming aware;

(3) Unauthorized or erroneous transactions are caused by your intentional or gross negligence;

(4) You fail to notify us in accordance with this Agreement;

(5) The receiving bank fails to properly process remittances.

13.6 Compliance Cooperation: We may request you or the Authorized Party to provide information or documents from time to time to fulfill compliance obligations, and you shall provide them within the specified time. Failure to do so may result in us suspending your account access and reserving the right to terminate this Agreement.

13.7 Government Orders: If TxnGo or its affiliates receive notices or instructions from governments, judicial authorities or regulators to withhold funds in your account, we will act in accordance with such instructions without liability (including direct and indirect losses).

13.8 Tax Liability: You shall declare and bear relevant taxes to tax authorities on your own in accordance with applicable laws and regulations; TxnGo shall not be liable.

Chapter 5: Service Fees and Notices

Article 14 Service Rules and Fees

14.1 Your use of the Services constitutes acceptance of all terms of this Agreement, the Privacy Policy, page rules, operation guidelines and all notices sent by TxnGo.

14.2 TxnGo will charge service fees at the standard displayed when you use the specific service, unless otherwise agreed in writing. If TxnGo adjusts rates, they will be displayed when you use the service; continued use constitutes acceptance of the adjustment.

14.3 For withdrawal services, TxnGo will remit funds to your designated account after deducting service fees from settled funds.

14.4 TxnGo will update reconciliation documents in a timely manner; you may log in to view them. Any objections shall be raised promptly for reconciliation; if no agreement is reached, reconciliation documents generated and retained by TxnGo’s system shall prevail.

14.5 All bank fees charged by Cooperating Banks shall be borne solely by you.

14.6 You shall indemnify TxnGo for any liabilities or losses incurred after provision of services due to causes not attributable to TxnGo (fault of Cooperating Banks or institutions, payment and settlement rules, etc.).

14.7 Taxes: Service fees you pay are exclusive of tax; you shall fulfill withholding obligations and bear related taxes (if applicable).

Article 15 Notice Methods

15.1 TxnGo may send notices to you via: posting on the official website, sending emails to your provided address, calling your provided phone number, or sending SMS messages.

15.2 Notices shall be deemed served within 24 hours after posting on the official website or sending emails. You shall ensure stable internet access and regularly check emails, SMS and your TxnGo account.

15.3 You shall promptly notify us of changes to your email address, phone number, address or other important information.

Chapter 6: Information Protection and Intellectual Property Rights

Article 16 User Information Protection

TxnGo attaches great importance to the protection of user information (including personal information). To provide services to you lawfully and in compliance, we may collect and store user information relating to you.

Article 17 Confidentiality Obligations

17.1 User information and the content of this Agreement obtained by the parties and their affiliates during the cooperation period are confidential information, including but not limited to fee amounts, rates, payment methods, settlement methods, interface technology, security protocols, certificates and the existence of this Agreement.

17.2 Each party shall maintain strict confidentiality of confidential information, use it solely for the purpose of this cooperation, and shall not disclose it to third parties without the other party’s written consent. This Article shall survive termination of this Agreement.

Article 18 Intellectual Property Rights

18.1 You warrant that copyrights, patents, trademarks and other intellectual property rights contained in works, products or services provided on your website, bound stores and business activities are lawfully owned or licensed by you, with no intellectual property disputes. You shall bear all legal liability for infringement; you shall compensate TxnGo or its affiliates for any losses caused thereby.

18.2 TxnGo owns necessary ownership and intellectual property rights in the online service content provided (including text, software, sound, pictures, video, charts, advertisements, email content and other information), protected by applicable laws. This Agreement shall not be construed as granting any intellectual property rights to you.

18.3 Neither party may use the other party’s trademarks or other intellectual property rights for purposes outside this Agreement without the other party’s written permission.

Chapter 7: Representations, Warranties and Term of Agreement

Article 19 Representations and Warranties

You represent and warrant to TxnGo that:

(1) You, the Authorized Party and affiliates continuously comply with laws and regulations of countries/regions relevant to transactions, including anti-money laundering and anti-corruption requirements;

(2) All information (including KYC information, store information) is true, accurate, complete and not misleading, and you will promptly notify changes;

(3) All transactions with customers are generated from products or services permitted under this Agreement, and related information accurately describes the transactions;

(4) You will perform all obligations to payers and payees and resolve disputes with them on your own;

(5) Funds paid to TxnGo are free from third-party claims, encumbrances or other interests;

(6) You will not use the Services for personal, household purposes or peer-to-peer transfers;

(7) You will not directly or indirectly use the Services for fraud, illegal activities or disrupting normal service operation;

(8) You will continuously disclose any matters affecting your performance under this Agreement or your ability to perform, including changes in solvency.

Article 20 Term and Termination of Agreement

20.1 This Agreement shall remain in effect from the effective date until suspended or terminated in accordance with its terms.

20.2 TxnGo’s Unilateral Termination Right: TxnGo may immediately terminate this Agreement by written notice in any of the following events:

(1) You fail to provide important information as required, or provide false or misleading information;

(2) You fail to pay payable funds;

(3) You engage in or assist money laundering, terrorist financing, or fail verification checks;

(4) You or your legal representative, director, beneficial owner are under formal investigation by law enforcement/regulatory authorities;

(5) Bankruptcy events occur;

(6) A court or regulator requires termination of this Agreement;

(7) You materially breach this Agreement and fail to remedy within 30 days after notice;

(8) A force majeure event under this Agreement occurs;

(9) Compliance with this Agreement will cause you or affiliates to violate applicable laws;

(10) TxnGo reasonably determines your risk prevention measures are inadequate;

(11) TxnGo reasonably believes continued provision of services will cause itself or affiliates to violate laws or fail to fulfill agreements with partners.

20.3 Either party may unilaterally terminate this Agreement by giving 30 days’ prior written notice.

20.4 Settlement Upon Termination: TxnGo will settle received but unsettled funds (“Remaining Funds”) to your designated bank account pursuant to your instructions, charging service fees as agreed; service fees for completed transactions are non-refundable. If you have outstanding amounts payable to TxnGo upon termination, TxnGo reserves the right to deduct directly from Remaining Funds; you shall immediately pay any shortfall.

Chapter 8: Service Security

Article 21 Account Access and Security

21.1 Only you and the Authorized Party are entitled to log in to your TxnGo account; both parties are jointly and severally liable for account-related actions. Remitting or receiving funds on behalf of third parties or for third-party benefit is strictly prohibited.

21.2 To use the Services, you shall enter a unique username, password and other information required by us for identity verification (“Security Information”).

21.3 You and the Authorized Party shall take all reasonable measures to ensure account security and be fully responsible for failure to safeguard account security. Online access to the account using Security Information shall be deemed your authorization for TxnGo to act pursuant to your instructions.

21.4 If TxnGo reasonably believes your account involves fraud, unauthorized use or improper use, we reserve the right to suspend, restrict, disable or permanently close your account without prior notice, and may require you to modify or update Security Information at any time.

21.5 You shall fully indemnify TxnGo for any losses, litigation or expenses arising from defense or self-help due to theft of your account username or password.

Article 22 Account Closure

22.1 You may close your TxnGo account by giving us 30 days’ prior written notice. All funds in the account must be withdrawn or transferred out and all outstanding service fees settled before closure. Most account functions will be restricted during review, and pending transactions will be canceled.

22.2 You may not close your account in the following circumstances:

(1) For the purpose of evading investigation;

(2) There are pending transactions or unresolved disputes;

(3) The account balance is negative;

(4) The account is frozen or subject to other restrictions.

22.3 You shall remain fully or partially liable in connection with the account after closure.

Article 23 System Security and Liability Limitation

23.1 TxnGo will use commercially reasonable efforts to maintain online services free of viruses and destructive files, but makes no absolute warranty.

23.2 You shall not introduce viruses, Trojans, worms or other malicious materials; attempt unauthorized access to any online services, servers or databases; or attack our systems via denial-of-service attacks.

23.3 We shall not be liable for loss of software, equipment or data caused by your use of online services.

23.4 We cannot guarantee that online services will be simple, continuous or error-free; we shall not be liable if you are unable to access them.

Chapter 9: Force Majeure and Governing Law

Article 24 Force Majeure

24.1 Affected Party shall be exempt from liability to the extent of force majeure or third-party causes for delay or non-performance (except for matured unpaid amounts).

24.2 “Force Majeure” means objective circumstances occurring after execution of this Agreement that cannot be foreseen, avoided or overcome by the Affected Party, including but not limited to natural disasters, strikes, riots, rebellions, wars, government actions (including seizure or confiscation of payment systems due to regulatory reasons).

24.3 Given the special nature of networks, Force Majeure also includes: hacker attacks, tooling design defects, computer virus intrusion and outbreaks unpreventable by existing security measures, large-scale new virus outbreaks, telecommunications operator network interruptions, Cooperating Bank or financial institution system failures, mobile operator gateway failures, and unanticipated transaction surges caused by instructions.

24.4 Preconditions:

(1) Force Majeure shall not exempt the Affected Party from disaster recovery and reconstruction obligations;

(2) If Force Majeure continues for more than 30 days, the non-affected party may terminate this Agreement.

Article 25 Revision and Amendment

25.1 TxnGo reserves the right to unilaterally revise or amend this Agreement, service rules and operation rules.

25.2 We will notify you by email or website announcement 7 days in advance of proposed revisions; the revised Agreement will take effect automatically 7 days after you receive notice. Your continued use of services constitutes acceptance of changes; if you do not agree, you shall immediately contact us to terminate this Agreement.

25.3 If a change is more favorable to you, it will take effect immediately.

Chapter 10: Other General Provisions

Article 26 Assignment

Neither party may assign, pledge or create security interests in rights under this Agreement without the other party’s written consent (which shall not be unreasonably withheld, conditioned or delayed). Assignment to affiliates does not require consent.

Article 27 Disclaimer

27.1 TxnGo and its Cooperating Third Parties make no express or implied warranties in connection with the Services, including but not limited to merchantability, fitness for a particular purpose, non-infringement, error-free or uninterrupted operation.

27.2 TxnGo does not provide investment advice or opinions on timing, legal, regulatory, commercial or financial consequences of transactions. You acknowledge all transaction decisions are made independently, and TxnGo shall not be liable for any losses (including losses from exchange rate changes). Market information we provide is for reference only and not a basis for advice.

27.3 You agree TxnGo may assign rights and obligations under this Agreement to affiliates or lawful successors. You may not assign rights under this Agreement without TxnGo’s written consent.

Article 28 No Waiver

Failure or delay by either party to exercise any rights under this Agreement at any time shall not constitute a waiver of such right.

Article 29 Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People’s Republic of China.

Any disputes, controversies or claims arising out of or in connection with this Agreement shall, if not resolved by negotiation or mediation, be submitted to the Hong Kong International Arbitration Centre (HKIAC) for arbitration in accordance with its rules then in effect. The seat of arbitration is Hong Kong, and the arbitration language is English.

Article 30 Severability

If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Article 31 Entire Agreement

This Agreement and service rules and operation rules displayed or notified by TxnGo from time to time constitute the entire agreement between the parties and supersede all prior written or oral representations, undertakings or agreements. All annexes and service rules form an integral part of this Agreement and have the same legal effect as the main text.

Article 32 Survival

Provisions of this Agreement which by their nature or express terms survive termination shall remain in effect after termination.

Article 33 Effectiveness

Your online confirmation of acceptance of this Agreement shall constitute your acceptance of all terms of this Agreement, all annexes and service rules, and you agree to be bound thereby. You may not challenge the validity and enforceability of this Agreement solely on the ground that it is not manually signed. You shall cooperate in signing any documents related to the Services if required by TxnGo.