Disclaimer

1. General Disclaimer

The information and services provided by Polapine Digital ("Company," "we," "us," or "our") through the payment orchestration platform ("Platform") are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

2. Technology Provider Disclaimer

Polapine Digital is exclusively a technology provider offering payment orchestration software as a service (SaaS). We are:

• Not a bank, financial institution, or licensed financial entity of any kind
• Not a money transmitter, money services business, or payment services provider
• Not a payment processor - we solely route transaction instructions to third-party processors who bear full processing liability
• Not responsible or liable for the actions, omissions, policies, failures, delays, or errors of third-party payment gateways, acquiring banks, card networks, or issuing banks
• Not a custodian of customer funds at any stage of the transaction lifecycle
• Not liable for any financial loss, transaction failure, unauthorized charge, data breach, or regulatory penalty arising from the payment processing activities of gateway providers

All liability for actual payment processing, transaction authorization, fund settlement, fund custody, chargebacks, fraud prevention at the processing level, PCI-DSS compliance for cardholder data, and regulatory compliance for payment activities rests entirely and exclusively with the respective payment gateway providers and acquiring banks connected to our Platform. Merchants acknowledge that their contractual and legal relationship for payment processing is with the payment gateway provider(s), not with Polapine Digital.

3. No Financial Advice

Nothing on our Platform or in our communications constitutes financial, legal, tax, or investment advice. Information provided through our analytics, reports, and dashboards is for informational purposes only. You should consult with qualified professionals regarding financial, legal, or tax matters related to your business.

4. Service Availability

While we strive for 99.9% uptime, we do not guarantee uninterrupted or error-free operation of the Platform. The Platform may be subject to:

• Scheduled maintenance and updates
• Unplanned outages or technical issues
• Third-party service disruptions (payment gateways, hosting, etc.)
• Force majeure events beyond our control

We are not liable for any losses or damages resulting from Platform unavailability or interruptions.

5. Third-Party Payment Gateway Provider Liability

Our Platform integrates with and routes transaction instructions to various third-party payment processors and gateways. All liability for payment processing activities rests with these third-party providers. We do not control and are not responsible or liable for:

• The availability, performance, or security of third-party payment gateway services
• Transaction approvals, declines, or errors by payment processors
• Fund settlement timelines, delays, or failures controlled by acquiring banks
• Holds, freezes, or reserves placed on merchant funds by payment gateway providers
• Changes to third-party terms of service, fee structures, or policies
• Data handling, storage, and security practices of connected payment providers
• PCI-DSS compliance or cardholder data protection at the payment processing level
• Regulatory compliance, licensing, or legal obligations of payment gateway providers
• Chargebacks, disputes, or fraud claims processed by gateway providers
• Any financial losses resulting from the actions or omissions of payment gateway providers

You acknowledge that the payment gateway provider bears sole and exclusive liability for all aspects of the actual payment processing, including but not limited to transaction authorization, settlement, refunds, chargebacks, fund security, and compliance with applicable financial regulations. Any claims arising from payment processing must be directed to the applicable payment gateway provider.

6. Transaction Success

While our smart routing technology is designed to optimize transaction success rates, we cannot and do not guarantee:

• Approval of any specific transaction
• A specific success rate percentage
• That all payment methods will be available at all times
• Freedom from chargebacks or disputes
• The security or integrity of transactions once handed off to payment gateway providers

Transaction outcomes are ultimately and exclusively determined by the payment gateway providers, acquiring banks, issuing banks, and card networks. All liability for transaction results, including approvals, declines, errors, and fraud, rests with the payment gateway provider processing the transaction. Polapine Digital's role is limited to routing transaction instructions and bears no liability for the outcome of any payment transaction.

7. Accuracy of Information

We make reasonable efforts to ensure the accuracy of information displayed on our Platform, including transaction data, analytics, and account balances. However, we do not warrant that all information is complete, accurate, or current at all times. Delays in data synchronization from third-party providers may occur.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Polapine Digital and its officers, directors, employees, agents, and affiliates shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages of any nature
• Loss of profits, revenue, data, business opportunities, or goodwill
• Damages resulting from unauthorized access to your account or transactions
• Any and all damages arising from third-party payment gateway provider actions, omissions, failures, errors, delays, or policies
• Financial losses resulting from transaction declines, processing errors, settlement failures, fund holds, or account freezes imposed by payment gateway providers
• Any regulatory fines, penalties, or legal actions arising from payment processing activities conducted by gateway providers
• Data breaches, security incidents, or privacy violations occurring at the payment gateway provider level
• Any amount exceeding the Platform service fees (excluding transaction amounts routed through the Platform) paid by you to us in the preceding 12 months

You expressly acknowledge that Polapine Digital operates solely as a payment orchestration SaaS technology provider, and that all liability for actual payment processing, fund handling, and financial regulatory compliance is borne exclusively by the third-party payment gateway providers. You agree to look solely to the applicable payment gateway provider for any claims arising from payment processing activities.

9. Merchant Responsibility

Merchants using our Platform are solely responsible for:

• Compliance with all applicable laws and regulations in their jurisdiction
• The legality of goods and services sold through their platforms
• Customer service, refunds, and dispute resolution with their end customers
• Maintaining appropriate business licenses and permits
• Tax obligations arising from their commercial activities

10. Changes to This Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes are effective upon posting to the Platform. Your continued use of the Platform constitutes acceptance of any changes.

11. Contact Us

For questions about this Disclaimer, please contact us:

• Email: support@pd.cash
• Website: pd.cash